BlastPoint's Credit Union Scorecard
TOWPATH
Charter #96658 · OH
TOWPATH has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 1.36% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -2.8% YoY
- - Average Member Relationship (AMR): Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,031
-2.8% YoY-1.8% QoQ
|
+9.9K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$211.8M
+3.0% YoY+0.5% QoQ
|
$-19.9M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$151.3M
+7.4% YoY+0.1% QoQ
|
+$7.2M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$187.1M
+2.5% YoY+0.5% QoQ
|
$-14.1M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.8%
+38.3% YoY-3.3% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
5.0%
+5.8% YoY+1.7% QoQ
|
+1.4% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
77.5%
-6.8% YoY-0.3% QoQ
|
-0.5% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
0.8%
-7.2% YoY-9.2% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
80.9%
+4.8% YoY-0.4% QoQ
|
+10.5% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$13,518
+7.7% YoY+2.2% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
19.9%
+0.7% YoY-0.3% QoQ
|
-4.4% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)