PATHFINDER
Charter #9148 | WY
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in WY
PATHFINDER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
- + Net Interest Margin 0.14% above tier average
- + Fee Income Per Member: Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
- + Total Loans: Top 7.5% in tier
- + Average Member Relationship (AMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,397
-2.8% YoY+0.8% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Top 18.3% in tier |
| Assets |
$69.1M
+3.3% YoY-1.4% QoQ
|
+$39.3M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 12.6% in tier |
| Loans |
$44.9M
-8.9% YoY-2.2% QoQ
|
+$29.2M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 7.6% in tier |
| Deposits |
$61.9M
+1.7% YoY-2.7% QoQ
|
+$36.5M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 11.2% in tier |
| ROA |
1.8%
+84.9% YoY+82.8% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.8% in tier |
| NIM |
4.1%
+1.5% YoY+7.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
57th in tier |
| Efficiency Ratio |
70.7%
-13.3% YoY-4.1% QoQ
|
-10.7% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
33rd in tier |
| Delinquency Rate |
1.0%
+635.8% YoY+53.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
62nd in tier |
| Loan To Share |
72.6%
-10.4% YoY+0.6% QoQ
|
+11.3% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$24,309
-0.3% YoY-3.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.2% in tier |
| CD Concentration |
31.6%
-0.0% YoY-8.5% QoQ
|
+7.2% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
11.1%
-22.4% YoY-9.5% QoQ
|
-2.9% |
14.0%
-5.8% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
47
Fee Income Per Member
profitability
Value:
$327.29
Peer Avg: $182.96
#47 of 2596
Top 1.8% in <100M tier
194
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,223
Peer Avg: $5,488
#194 of 2596
Top 7.4% in <100M tier
196
Total Loans
balance_sheet
Value:
$44.95M
Peer Avg: $15.77M
#196 of 2596
Top 7.5% in <100M tier
239
Average Member Relationship (AMR)
engagement
Value:
$24,309
Peer Avg: $14,627
#239 of 2596
Top 9.2% in <100M tier
290
Total Deposits
balance_sheet
Value:
$61.94M
Peer Avg: $25.45M
#290 of 2596
Top 11.1% in <100M tier
326
Total Assets
balance_sheet
Value:
$69.11M
Peer Avg: $29.86M
#326 of 2596
Top 12.5% in <100M tier
333
Return on Assets (ROA)
profitability
Value:
1.80%
Peer Avg: 0.68%
#333 of 2596
Top 12.8% in <100M tier
475
Total Members
engagement
Value:
4,397
Peer Avg: 2,626
#475 of 2596
Top 18.3% in <100M tier
Top Weaknesses (5 metrics)
2368
Indirect Auto Concentration (%)
balance_sheet
Value:
11.09%
Peer Avg: 2.84%
#2368 of 2596
Bottom 8.8% in <100M tier
2206
Share Certificate Concentration (%)
balance_sheet
Value:
31.63%
Peer Avg: 15.37%
#2206 of 2596
Bottom 15.1% in <100M tier
2193
Members Per Employee (MPE)
engagement
Value:
199.864
Peer Avg: 365.701
#2193 of 2596
Bottom 15.6% in <100M tier
2021
Net Worth Ratio
risk
Value:
10.65%
Peer Avg: 16.43%
#2021 of 2596
Bottom 22.2% in <100M tier
1957
Loan Growth Rate
growth
Value:
-8.87%
Peer Avg: 59.01%
#1957 of 2596
Bottom 24.7% in <100M tier