BlastPoint's Credit Union Scorecard
PATH
Charter #8118 · NJ
PATH has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Strong member growth: 7.2% YoY
- + Loan-to-Share Ratio: Top 4.0% in tier
- + Member Growth Rate: Top 4.8% in tier
- + Net Worth Ratio: Top 8.1% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 23.31% above tier (higher cost structure)
- - Delinquency rate 0.85% above tier average
- - Share Certificate Concentration (%): Bottom 5.7% in tier
- - Net Charge-Off Rate: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,443
+7.2% YoY+1.6% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$14.1M
+5.3% YoY+1.1% QoQ
|
$-16.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$9.6M
+5.4% YoY-2.2% QoQ
|
$-5.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$9.9M
+9.4% YoY+1.3% QoQ
|
$-15.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
-0.7%
-107.3% YoY-634.9% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.4% in tier |
| NIM |
4.8%
-11.0% YoY-8.6% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
113.9%
+3.8% YoY+17.1% QoQ
|
+23.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate |
2.3%
+518.5% YoY-50.6% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
97.3%
-3.7% YoY-3.5% QoQ
|
+38.8% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 4.1% in tier |
| AMR |
$13,542
+0.2% YoY-2.0% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
43.6%
+17.6% YoY-1.0% QoQ
|
+19.4% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)