# PATHWAYS FINANCIAL
Columbus, OH · NCUA charter 66376 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pathways-financial-66376

Who the members are: state charter, organized 1973, low-income designated. 59,620 members of 3,098,970 potential (1.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $776.4M |
| Members | 59,620 (9.8% YoY) |
| Full-time staff | 117 |
| Net worth | $81.2M |
| Net worth ratio | 10.5% (p52 of band) |
| ROA (annualized) | 0.67% (p54 of band) |
| Total delinquency | 0.89% (p73 of band) |
| Net charge-offs (annualized) | 0.47% (p54 of band) |
| Loans / shares | 75% (p33 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 3.22% |
| Net interest margin | 3.34% (p42 of band) |
| Operating expense / assets | 3.60% (p53 of band) |
| Vehicles % of loans | 21% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 155% (p65 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.45% (p26 of band) |
| Repossessed % of vehicle book | 0.15% (p75 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 22% |
| Average share balance | $5,032 |
| Participations bought / yr | $3.8M |
| Participations sold / yr | $129.4M |
| Participations outstanding | $76.4M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $13,069 |
| Loans granted, annualized | $179.6M |

## Participation posture (from the same filings)

Bought $3.8M and sold $129.4M in the latest annualized quarter; $76.4M outstanding purchased (94.1% of net worth), $41.5M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 10.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | 3rd-party paper>100% NW |
| 2020-03 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | members leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | net worth falling | delinquency rising |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 1 |  | charge-offs p90, members leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, charge-offs p90 |  |
| 2025-09 | 1 |  | net worth falling, charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-08 [Pathways Financial Credit Union opens newly renovated Seven Hills location - Cleveland.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRF9UZWJFM1ZVLUVwUmY0ckZuOEFFcjdYR2dLYVJ0a3dWTUJIV3hETTdfQ0g2RzRJVy1uR0pkYXBrM1BTWVpaTFVKUlNWVlpuYzRLcEJZMHljZ1g0QVNka1VOU3lIX3J3RXpsaWx4b3VjR0dLWU5kanRla2ZnNDlBQ1FNZXp6UHVkRHBiX3dVU2FCajdJMWpDcElvUlRhTk9EbllmdnJmSzUwa3RGcDNGYVdMM1VDc2NJSDgwNURTUDk?oc=5) · Cleveland.com
- 2025-11-26 [Pathways Financial Credit Union Celebrates Newly Renovated Seven Hills Branch With Ribbon Cutting and Open House - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxOM3RIUnhoSlplYXdfX0tPcG1ZdVNOVVA0S3dKLVBUS1NlcDdtbERkd3hJN181cW9RYVE0ZWt3Q2xCRXRoSTVRdFg0TmxtaW9CZFhsd1VkQUtKZmRRS1I1cDB5N2diTWsxQ1RZWTdXeF83TmhVam9RaVkybG9mdk1rTGw2Z1N4ckR4cEtISE5Gakx1M3NjUWJjV05OdDlzbW1lTFVZeVlaSWdhZGk0cWc?oc=5) · newswire.com
- 2025-06-25 [Fast-growing Central Ohio financial institution moving to Dublin from Columbus - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYjdsREF4UF9QUEp4QkNPVkdpRElqelQxWlEzdkNqOVpVV20yNXBWVXFnWVYyVE5QeEVkV0taY3NZTURkRlhDaURyTGh2Uk4zSnd6alB1OGhNQ3RWc2F6bW1GUEZjZEExNTdLbjk5Y0pqUDNQQTBYRGZGV05xS3RhTkZpQ1F2RkpGZlhzRjFkb1hIN0dMVkE?oc=5) · The Business Journals
- 2024-03-07 [Central Ohio credit union says scammers are using their bank to issue fake checks - 10TV](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQMTdTNVdwVHYtel9PdmtaYXQtSTkzZVMxMkF0Y3IzSjFrUWt5SGE4SlFqUUF2cWs3YkpuSTZUX3lBX1FYZEN5N3NQZk42cWF1ZVBnWnc3WVl4NV9oTTlEYUV4cGQxaU9aQlAxdlZlaEpZM1VYZ193NElYWXVwQ1RBUUlFeHQ5Sl9jRFhyT2wxMFZaSHl6UV9HVEQzN3IxdDYyRkpWTlRFWXZfMFFPY0Q2Rml2ZXZ0Uk44SkI5VjVVakNwa1dnM09Nc3BFVHpfR3NOUkNnUkRjUElTb2VrNmc3ZmRYVXhzLVd2X2dKbk5hWQ?oc=5) · 10TV
- 2020-08-26 [Pathways Financial Credit Union to add new markets with merger - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYTZhWWJyYzZMVnhUYllIaTVldVdLbDNSa1Z1T042d0hubGZsNU54ZHRWTkx2aHRiYnVLa2FtOXN6UWdqRlJ3WmQ0SE9Fd1ZTRlhiR2tHZkNMVXM0a1dOT3IyYl9BTWdnR3libXZFM1NqOUV0SmFHSzgyc0dsRWkzc21PLVplZkdnVDdUTUxBRldMQTFTMTl0NHlOSU1YbDRMLXBIOXhHWXBmbzFLSkt2VQ?oc=5) · American Banker
- 2025-09-08 [Fast-growing Pathways Financial Credit Union purchases Dublin office for new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNSmc2MENtcGdQY19kNVR0VkNVV3hxakNXeHFaaHFUaGhLa3JxUjdHdEMtZ0lDc045b0tEczhoLUJZbFdkQ3FYSlV3ZGVzN3Z2YXRjS0dvWVg5TXJaVU9vd3VwSkdzNFBWUFdXVWhjaUVOcHVKMDF4QTNzVDBYRGNqajZyZjA5Rk1LVFpNSHc3bG1ZYnNqNG5yRkNYaHVKLVU?oc=5) · The Business Journals
- 2025-02-27 [Pathways Financial Credit Union Welcomes SMART Federal Credit Union Members - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPQXNBdHZ5RWYxcUFqSFJHX2hVOEhWSExWTmp3LVkwckdSVW1PbHB4LXlwd1JBTUFsY3l5NkdCZzVOamNoRXN1akM0SmhTeUJXdDIxMHZteVNWSFRjakJ1eUxDRmNKNVV0T3FMUWFUZnJBVnl4OThVSTVUc0hVVjVaNVZhM1R4UldOVFhrWWxXMTN0UHVLYXg0Q3gwM3ZRd01vdHhQYjZsZHZMZw?oc=5) · newswire.com
- 2021-12-02 [Pathways Teams With PSCU’s Lumin Digital for Online Banking Support - PYMNTS.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWTE2MUFrSjIxUTBuejMybFBWbkxQMGFPQ0ZhcG9KMDQ4QUJ4Mm9oNDQtUmcyUldiajB4aFV0TXBpQnl4cXV3TVREZDdhYmRpQmt1WDFRUGxNT0kyZXQ2b3JXVjVkQ3A1Y1RqNFpWbjE0ZDRXOFRsZ2hWT0t2Y09jaU8xV2sxYWFDbHlybEw3NkVsc0dCb1Zacmh1VjhCNmdTQWdOdDN3?oc=5) · PYMNTS.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66376 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/8.json (key "66376", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66376
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide