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Pathways Financial

Columbus, OH · Charter 66376

NCUA · 12 branches

Q2 2026

$771.9MAssets
$503.3MLoans
$656.2MShares
$83.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, up 28 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.08% of loans (+16 bps YoY).
  • Capital: net worth / assets of 10.84%, up 54 bps from a year ago.
  • Funding: loans stand at 76.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+20 bps YoY

Efficiency Ratio (quarter, annualized)

74.26%-47 bps YoY

Net Worth / Assets

10.84%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.71%0.78%0.67%0.99%+28 bps
Return on Equity6.83%6.92%7.42%6.39%9.10%+228 bps
Net Interest Margin3.19%3.30%3.41%3.34%3.39%+20 bps
Efficiency Ratio74.73%74.52%74.10%78.50%74.26%-47 bps
Growth
Asset Growth (YoY)19.10%20.48%15.56%11.35%2.39%-1,671 bps
Loan Growth (YoY)18.08%18.20%18.33%10.12%-0.93%-1,901 bps
Share Growth (YoY)17.98%19.12%13.23%10.65%1.35%-1,662 bps
Asset Quality
Delinquent Loans / Loans0.92%1.01%1.01%0.89%1.08%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.30%10.31%10.58%10.46%10.84%+54 bps
Net Worth / Assets10.30%10.31%10.58%10.46%10.84%+54 bps
Liquidity & Funding
Loans / Shares78.46%78.53%79.34%74.89%76.69%-177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps