# PATHWAY
CLEVELAND, TN · NCUA charter 68124 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pathway-68124

Who the members are: state charter, organized 1967, low-income designated. 999 members of 5,000 potential (20.0% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.9M |
| Members | 999 (4.3% YoY) |
| Full-time staff | 2 |
| Net worth | $481,434 |
| Net worth ratio | 7.0% (p2 of band) |
| ROA (annualized) | -0.63% (p14 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 91% (p92 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 4.64% |
| Net interest margin | 4.04% (p57 of band) |
| Operating expense / assets | 4.94% (p78 of band) |
| Vehicles % of loans | 63% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.40% (p48 of band) |
| Vehicle NCO | 0.63% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 22% |
| Average share balance | $4,658 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $85,511 |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $18,810 |
| Loans granted, annualized | $1.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $85,511 outstanding purchased (17.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 3 | net worth falling | delinquency 2x band |
| 2016-12 | 4 | delinquency 2x band |  |
| 2017-03 | 3 | members leaving | losing money, delinquency 2x band |
| 2017-06 | 3 |  |  |
| 2017-09 | 5 | losing money, delinquency 2x band, delinquency rising | net worth falling |
| 2017-12 | 2 |  | losing money, delinquency 2x band, delinquency rising |
| 2018-03 | 4 | thin capital, losing money |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | thin capital |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 4 | assets shrinking | delinquency rising |
| 2019-06 | 8 | thin capital, net worth falling, delinquency rising, charge-offs p90 |  |
| 2019-09 | 6 |  | net worth falling, charge-offs p90 |
| 2019-12 | 6 |  |  |
| 2020-03 | 5 | capital below 7%, net worth falling | auto monoline, losing money, assets shrinking, delinquency rising |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 1 |  | members leaving, capital below 7% |
| 2021-03 | 6 | capital below 7%, losing money, delinquency rising, charge-offs p90 |  |
| 2021-06 | 6 | net worth falling | delinquency rising |
| 2021-09 | 8 | expense trap, assets shrinking, loan book shrinking | net worth falling |
| 2021-12 | 5 |  | expense trap, assets shrinking, loan book shrinking |
| 2022-03 | 8 | net worth falling, margin squeeze, loan book shrinking |  |
| 2022-06 | 4 | assets shrinking | capital below 7%, losing money, net worth falling, loan book shrinking |
| 2022-09 | 4 | auto monoline | assets shrinking |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 3 |  | charge-offs p90, margin squeeze |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 4 | net worth falling, margin squeeze | delinquency rising |
| 2025-09 | 2 |  | net worth falling, margin squeeze |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 6 | capital below 7%, net worth falling, losing money | delinquency rising |

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

- 2022-08-18 [Blog: City Blog - City of Knoxville (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYV9wcE5KUHhKdHpFLVJoRU01TkdqM3dKRVFhNUhkbktaLVNkcWRSN2RialNCVUduSk5UVTVxeHhpZkRNRndWbkdBLTQ3RUYxeVN6eHhHdEJWV2JsbzNUR2UyX2NReURha2stZmtOeTdGQkFuOG9JNXZhdG5td0FxdWt0R2EyTzNILXItZjNLWDZuYUxrODhaNU5CRGc?oc=5) · City of Knoxville (.gov)
- 2022-08-31 [Rams sign 16 players, plus International Pathway Program player Max Pircher to practice squad - therams.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOV0k3QzRuVDgwR1oyU3I3WEJEc1NmZWV3VmtzVGdHUWpScURBZzd1TU1DWmdTVnMwMkhIak4yTDBuWlZmRjFQSnpnNS1TVUhkM1hIMDI3V3pRN2RYTUU1N2U4SjVtdGRldkZ1ZFdsWDhISUtQQzBibENjUGtGWlZkTFNYQVl5RlJx?oc=5) · therams.com
- 2022-05-24 [Vision quest: Innovative entrepreneurial initiative eyes takeoff - University of Tennessee at Chattanooga](https://news.google.com/rss/articles/CBMinwFBVV95cUxPODBPZVFPTGdYWktoeGlIZ0pESUhuaDhWNzcyeV9tQlYyMGFqTkR4SnFvaWtGeV9Cb08zcUxzbXRFUFhBNm5RdFhrcDdKNEdTRThMU1JXVEZUYzVqSG5uMzBQSHkxeDdiT1NPMmNOb0xhcm94U3lUbVJiR2s4dUlBeUdhU2VjcUVZN2lkSWlJeWZHY2JHMWdITjYwUTRkeVE?oc=5) · University of Tennessee at Chattanooga
- 2021-02-19 [Pathway to Progress: The Charleston Hospital Strike - AFL-CIO](https://news.google.com/rss/articles/CBMifEFVX3lxTE5DbTRBcnluTHhLSXNra29hNF9WVHFxQWlMSFM0X0VwYkxZTmxOdVZ4VHlFNUpieTRSNGRQZVVuNXhjcEF6c0VLWWdqSzRPTlJEaWM1S1hHY0RYRWFMQkdGSndIRkx3V3lFaThvRDFyc01mX0IyT2l0V2hQN0w?oc=5) · AFL-CIO
- 2013-05-02 [10 Noteworthy Credit Union Name Changes: Vibe, Widget, Nymeo - The Financial Brand](https://news.google.com/rss/articles/CBMimAFBVV95cUxNc3JLdG9OMkJTZFptSkpBTDRRd19wT3dqYTQzdmhfM0d0N0FQdm5QY29uUDIyNExWcWlzeEhjYjJGUnFHd3pqZ1Fzb3FTaWhocXU3X0dDMktoQ19kMF92Y2tnS3RSQVA2VHFsNFJLOVRZZ1pDTFhnNzByTHhTNEFwbWMzeTBUcl9SNGZlTVlZMGFpYndaeU85ag?oc=5) · The Financial Brand
- 2018-02-19 [What’s Right With Our Schools: High school students receive real work experience through banking pathway - 41NBC News](https://news.google.com/rss/articles/CBMirAFBVV95cUxOODJoRTdCODhwZm50QzJvbWZqaUlWbjNKNVF4WGNYaFB1UV9fRTZNSUNtNnQxc25rNzhmcFU3NVFwb0d3bUFGT1huSXI1ZmhIMEh5dmVNOW00SHlPeUh6VlhQZmRWcEdHdnNSVnREd1ZTZTlpS1RfcVNZUEFNNk1mU2FEV0FDTm9BSU1yX1JTRXJjNkhsaUNFRC1FaUY1aDJ5N3BCbjg4X2ZEWFZp?oc=5) · 41NBC News
- 2016-12-25 [‘Amazing Teacher’ pursues her passion in fifth year at Agathos Classical School - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQLXFrZlI3MktidmgtV1JtM0piaFFOc3k1ZVJxMEIwM3hEdU42X3JVWEpfSTJ5bThGRHJ3M1FoN2FVaXctNlBBXy1RX3YzMEhGcjlEOE1kcEUtZktjenBsdFlRakxBQ1Bmamd6dVpseFVEUGp2UmZKSXN6cjczVzU5bnRBcVdLdk1iaW5WU216d2ZITmo3V2hRd2pEQ2V1SWQwUzk5WVBHZGUtQQ?oc=5) · columbiadailyherald.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68124 (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/28.json (key "68124", 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=68124
- 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