Pathways Financial
Columbus, OH · Charter 66376 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 12 branches
Q2 2026
$771.9MAssets
$503.3MLoans
$656.2MShares
$83.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions under $1B in assets in the Columbus, OH area (rank 4 of 18).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets in the Columbus, OH area (rank 14 of 18).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.99%
Rank 5 of 18
Net Interest Margin
3.39%
Rank 13 of 18
Efficiency Ratio
74.26%
Rank 6 of 18
Equity / Assets
10.84%
Rank 7 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.59% | 0.76% | 0.99% | Beats 72% | 5 / 18 | |
| Return on Equity | 9.10% | 4.13% | 7.59% | 9.05% | Beats 78% | 4 / 18 | |
| Net Interest Margin | 3.39% | 3.24% | 3.56% | 3.79% | Beats 28% | 13 / 18 | |
| Efficiency Ratio | 74.26% | 72.20% | 76.10% | 84.19% | Beats 72% | 6 / 18 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.37% | 0.66% | 1.08% | Beats 28% | 14 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.84% | 9.66% | 10.67% | 11.63% | Beats 61% | 7 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.84% | 9.66% | 10.67% | 11.63% | Beats 61% | 7 / 18 | |
| Liquidity & Funding |
| Loans / Deposits | 76.69% | 47.40% | 66.89% | 76.69% | 72nd pctl | 5 / 18 | |
| Loans / Assets | 65.20% | 43.35% | 60.60% | 69.11% | 67th pctl | 6 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |