TOWPATH
Charter #96658 · Fairlawn, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,031 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.00% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 54th — a 23-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 | TOWPATH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $211.78M | 54th pct | 49th pct |
| Members | 25,031 | 88th pct | 77th pct |
| Net worth ratio | 11.38% | 48th pct | 46th pct |
| Return on average assets | 0.79% | 56th pct | 57th pct |
| Net interest margin | 5.00% | 97th pct | 90th pct |
| Cost of funds | 0.75% | 28th pct | 26th pct |
| Loan-to-share | 80.88% | 70th pct | 57th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 69th pct |
| Net charge-off ratio | 0.69% | 78th pct | 54th pct |
| Loan growth YoY | 3.01% | 75th pct | 70th pct |
| Share growth YoY | 2.98% | 42th pct | 38th pct |
| Efficiency ratio | 77.51% | 46th pct | 36th pct |
structural peer set hash: d439914ea7c6d8c7473bafb387dc419c… (reproducible)
Closest structural peers
This is the free public view
Claim TOWPATH
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.