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 1.02% above tier average
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Deposit Growth Rate: Top 5.1% in tier
- + Member Growth Rate: Top 7.3% in tier
- + Net Worth Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
- - Efficiency ratio 18.12% above tier (higher cost structure)
- - Delinquency rate 2.71% above tier average
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - Net Charge-Off Rate: Bottom 7.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +12.8% year over year ($10.0M in shares and deposits).
- Membership: 1,431 members, +4.5% vs a year ago.
- Delinquency rate 4.26%.
- Return on assets 0.19%.
- Efficiency ratio 106.88% vs a 88.77% peer average.
- Loan-to-share ratio 98.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,431
+4.5% YoY-0.8% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$14.2M
+7.2% YoY+0.8% QoQ
|
$-16.1M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$9.9M
+5.3% YoY+2.2% QoQ
|
$-5.6M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$10.0M
+12.8% YoY+1.1% QoQ
|
$-15.8M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.2%
-96.3% YoY-126.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.1% in tier |
| NIM |
4.9%
-7.1% YoY+2.7% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
106.9%
+5.8% YoY-6.2% QoQ
|
+18.1% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
4.3%
+404.1% YoY+81.2% QoQ
|
+2.7 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
98.4%
-6.6% YoY+1.2% QoQ
|
+39.6% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Top 3.9% in tier |
| AMR |
$13,878
+4.3% YoY+2.5% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
46.1%
+24.6% YoY+5.6% QoQ
|
+21.5% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)