Path

Jersey City, NJ · 1 · Charter #8118 · www.pathfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.9M
51th percentile
Members
1,420
50th percentile
Total loans
$9.9M
65th percentile
Total shares
$9.8M
47th percentile

Profitability

Return on assets
0.10%
20th percentile
Net interest margin
5.12%
85th percentile
Efficiency ratio
77.78%
28th percentile
Non-interest income ratio
6.87%
40th percentile

Capital & Risk

Net worth ratio
27.62%
90th percentile
Delinquency rate
4.76%
8th percentile
Net charge-off rate
1.69%
8th percentile
Loan-to-share
100.85%
94th percentile

Growth

Member growth YoY
3.12%
89th percentile
Asset growth YoY
7.91%
87th percentile
Loan growth YoY
7.98%
86th percentile
Share growth YoY
10.52%
92th percentile

Operations

Members / branch
no peer data
Assets / member
$9,813
54th percentile
Field of membership penetration
94.67%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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