BlastPoint's Credit Union Scorecard
TOWPATH
Charter #96658 · OH
TOWPATH has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 44.9% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 1.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.75% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,500
-0.4% YoY-3.3% QoQ
|
+10.1K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 12.2% in tier |
| Assets |
$210.7M
+6.2% YoY+2.5% QoQ
|
$-21.1M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$151.2M
+10.1% YoY+2.9% QoQ
|
+$3.8M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$186.2M
+5.8% YoY+2.5% QoQ
|
$-14.6M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.8%
+58.1% YoY+1.6% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.9%
+8.9% YoY+0.5% QoQ
|
+1.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
77.8%
-5.4% YoY-0.4% QoQ
|
+0.8% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.9%
-7.3% YoY+21.0% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
81.2%
+4.1% YoY+0.4% QoQ
|
+9.0% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$13,229
+8.1% YoY+6.2% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.6% in tier |
| CD Concentration |
19.9%
-0.2% YoY+0.6% QoQ
|
-4.5% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)