BlastPoint's Credit Union Scorecard
PATH
Charter #8118 · NJ
PATH has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
- + Net Worth Ratio: Top 7.9% in tier
- + Deposit Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 14.75% above tier (higher cost structure)
- - Delinquency rate 3.20% above tier average
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,420
+3.1% YoY+1.5% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$13.9M
+7.9% YoY+4.6% QoQ
|
$-16.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$9.9M
+8.0% YoY+1.2% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$9.8M
+10.5% YoY+11.2% QoQ
|
$-15.9M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.1%
-103.0% YoY-91.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
5.2%
+3.8% YoY-2.6% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
97.3%
-15.3% YoY-3.1% QoQ
|
+14.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
4.8%
+98.4% YoY+66.5% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 6.6% in tier |
| Loan To Share |
100.9%
-2.3% YoY-8.9% QoQ
|
+40.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 4.0% in tier |
| AMR |
$13,822
+5.9% YoY+4.4% QoQ
|
$-960 |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
44.1%
+15.9% YoY+12.7% QoQ
|
+19.6% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)