CLEARPATH

Charter #9556 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

CLEARPATH has 10 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.1% in tier
  • + Relationship Depth Leader: Top 6.8% in tier
  • + Emerging Performer: Top 28.4% in tier
  • + AMR Growth Rate: Top 0.2% in tier
  • + Loan Growth Rate: Top 1.0% in tier
  • + Asset Growth Rate: Top 1.5% in tier
  • + Deposit Growth Rate: Top 1.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.3% in tier
  • + First Mortgage Concentration (%): Top 9.7% in tier
  • + Average Member Relationship (AMR): Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.2% in tier
  • - ROA 0.68% below tier average
  • - Efficiency ratio 13.51% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 7.0% in tier
  • - Net Interest Margin (NIM): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 10,635
-0.1% YoY-0.2% QoQ
 -5.0K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $214.5M
+27.3% YoY-0.7% QoQ
 $-16.8M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 55th in tier
Loans $169.2M
+40.9% YoY+8.6% QoQ
 +$21.4M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $195.5M
+27.7% YoY-1.3% QoQ
 $-4.7M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 0.1%
-11.4% YoY-178.1% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 9.9% in tier
NIM 2.6%
-17.4% YoY+4.8% QoQ
 -1.0% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 7.7% in tier
Efficiency Ratio 90.8%
-2.2% YoY-3.9% QoQ
 +13.5% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 9.8% in tier
Delinquency Rate 0.4%
-55.4% YoY+55.7% QoQ
 -0.5 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 22.7% in tier
Loan To Share 86.5%
+10.3% YoY+10.0% QoQ
 +13.8% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 21.9% in tier
AMR $34,294
+33.7% YoY+3.3% QoQ
 +$10K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 9.8% in tier
CD Concentration 40.6%
+215.8% YoY+1.6% QoQ
 +16.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 3.5%
-58.7% YoY-31.2% QoQ
 -10.5% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#4 of 1006 • Top 0.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 33.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#187 of 1006 • Top 6.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 33.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#534 of 627 • Top 28.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.11%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.14%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (1)

Efficiency Drag

risk
#5 of 521 • Bottom 0.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 90.78%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.01% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.14%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

3
AMR Growth Rate
growth
Value: 33.67%
Peer Avg: 3.64%
#3 of 1077 Top 0.2% in 100M-500M tier
12
Loan Growth Rate
growth
Value: 40.85%
Peer Avg: 3.45%
#12 of 1077 Top 1.0% in 100M-500M tier
17
Asset Growth Rate
growth
Value: 27.32%
Peer Avg: 4.70%
#17 of 1077 Top 1.5% in 100M-500M tier
18
Deposit Growth Rate
growth
Value: 27.70%
Peer Avg: 4.69%
#18 of 1077 Top 1.6% in 100M-500M tier
90
Loan-to-Member Ratio (LMR)
engagement
Value: $15,908
Peer Avg: $10,245
#90 of 1077 Top 8.3% in 100M-500M tier
105
First Mortgage Concentration (%)
balance_sheet
Value: 7.60%
Peer Avg: 30.43%
#105 of 1077 Top 9.7% in 100M-500M tier
106
Average Member Relationship (AMR)
engagement
Value: $34,294
Peer Avg: $24,363
#106 of 1077 Top 9.7% in 100M-500M tier
222
Fee Income Per Member
profitability
Value: $225.75
Peer Avg: $174.31
#222 of 1077 Top 20.5% in 100M-500M tier
236
Loan-to-Share Ratio
balance_sheet
Value: 86.52%
Peer Avg: 72.70%
#236 of 1077 Top 21.8% in 100M-500M tier
245
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.86%
#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1003
Share Certificate Concentration (%)
balance_sheet
Value: 40.58%
Peer Avg: 23.61%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
994
Net Interest Margin (NIM)
profitability
Value: 2.60%
Peer Avg: 3.58%
#994 of 1077 Bottom 7.8% in 100M-500M tier
972
Efficiency Ratio
profitability
Value: 90.78%
Peer Avg: 77.28%
#972 of 1077 Bottom 9.8% in 100M-500M tier
970
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.79%
#970 of 1077 Bottom 10.0% in 100M-500M tier
921
Net Worth Ratio
risk
Value: 9.11%
Peer Avg: 12.15%
#921 of 1077 Bottom 14.6% in 100M-500M tier