Pathway

CLEVELAND, TN · 2 · Charter #68124 · www.pathwaycredit.com
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
$6.8M
32th percentile
Members
964
35th percentile
Total loans
$5.6M
47th percentile
Total shares
$5.6M
33th percentile

Profitability

Return on assets
0.32%
28th percentile
Net interest margin
3.87%
46th percentile
Efficiency ratio
66.93%
49th percentile
Non-interest income ratio
16.53%
74th percentile

Capital & Risk

Net worth ratio
7.29%
3th percentile
Delinquency rate
0.12%
76th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
99.65%
93th percentile

Growth

Member growth YoY
-1.63%
48th percentile
Asset growth YoY
5.06%
74th percentile
Loan growth YoY
5.02%
79th percentile
Share growth YoY
5.58%
78th percentile

Operations

Members / branch
964
45th percentile
Assets / member
$7,010
31th percentile
Field of membership penetration
19.28%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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