BlastPoint's Credit Union Scorecard
TOWPATH
Charter #96658 · OH
TOWPATH has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.7% in tier
- + Organic Growth Leader: Top 9.4% in tier
- + Emerging Performer: Top 54.7% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 1.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.83% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,369
+3.9% YoY+1.2% QoQ
|
+10.7K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 10.8% in tier |
| Assets |
$205.6M
+5.9% YoY-0.3% QoQ
|
$-25.7M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$146.9M
+8.6% YoY+1.3% QoQ
|
$-913K |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$181.7M
+5.7% YoY-0.6% QoQ
|
$-18.6M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.8%
+62.1% YoY+19.2% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
4.9%
+9.4% YoY+2.8% QoQ
|
+1.3% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
78.1%
-5.7% YoY-2.5% QoQ
|
+0.8% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.7%
-8.5% YoY-8.7% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
80.9%
+2.8% YoY+1.9% QoQ
|
+8.2% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$12,460
+3.0% YoY-1.0% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.1% in tier |
| CD Concentration |
19.8%
-3.3% YoY-0.0% QoQ
|
-4.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)