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
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 16.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
999
+4.3% YoY+3.6% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$6.9M
+0.8% YoY+2.2% QoQ
|
$-23.3M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$5.7M
-0.9% YoY+1.9% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$6.2M
-3.2% YoY-1.7% QoQ
|
$-19.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-0.6%
-218.8% YoY-272.5% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.6% in tier |
| NIM |
4.0%
+3.8% YoY+5.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
106.8%
+24.0% YoY+16.1% QoQ
|
+16.2% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate |
0.3%
+19.9% YoY+120.0% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
91.1%
+2.4% YoY+3.7% QoQ
|
+32.6% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 7.3% in tier |
| AMR |
$11,888
-6.1% YoY-3.5% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
21.9%
-1.9% YoY-3.7% QoQ
|
-2.4% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)