BlastPoint's Credit Union Scorecard
PATHWAY
Charter #68124 · TN
PATHWAY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 11.59% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
965
-0.9% YoY+0.6% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$6.9M
+3.9% YoY-0.3% QoQ
|
$-23.0M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$5.7M
+14.1% YoY+0.8% QoQ
|
$-10.1M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$6.4M
+4.0% YoY-0.7% QoQ
|
$-19.0M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.3%
+148.1% YoY+64.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.7%
-3.1% YoY+3.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
93.0%
-7.3% YoY-1.7% QoQ
|
+11.6% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.0%
-8.6% YoY+13.2% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
88.2%
+9.7% YoY+1.5% QoQ
|
+26.9% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$12,529
+9.5% YoY-0.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
29.5%
-18.1% YoY-20.0% QoQ
|
+5.1% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)