PATHWAYS FINANCIAL
Charter #66376 · Columbus, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 66th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PATHWAYS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $776.35M | 65th pct | 49th pct |
| Members | 59,620 | 87th pct | 66th pct |
| Net worth ratio | 10.46% | 51th pct | 51th pct |
| Return on average assets | 0.68% | 54th pct | 66th pct |
| Net interest margin | 3.39% | 41th pct | 54th pct |
| Cost of funds | 1.55% | 55th pct | 59th pct |
| Loan-to-share | 74.89% | 33th pct | 31th pct |
| Delinquency 60+ days | 0.89% | 73th pct | 69th pct |
| Net charge-off ratio | 0.46% | 53th pct | 69th pct |
| Loan growth YoY | -2.82% | 13th pct | 5th pct |
| Share growth YoY | 1.91% | 21th pct | 13th pct |
| Efficiency ratio | 78.50% | 51th pct | 36th pct |
structural peer set hash: a389ef066b17692f18652885825f7633… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.