Federal credit union · Metairie, Louisiana · NCUA charter #14692

ONPATH

Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

87
Health / 100
$1.17B
Total assets
89,202
Members
11.5%
Net-worth ratio
A Letter grade on the five-factor composite

ONPATH scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 89,202; net-worth ratio 11.49%; health rank #1,666 of 4,374; healthier than 60th of scored peers.

5300 filing masthead

NCUA 5300 Call Report Masthead

#1,666 of 4,374 health · 2025Q4

ONPATH · health 87/100 · $1.17B · 2025Q4

  • DELQ 87/100
  • ROA 11.5%
  • ASSETS 1.48%
  • MEM 0.93%
  • RANK $1.17B
  • PHOTO 89,202
  • BOOK #1,666/4,374
  • CHARTER UNIVERSITY
  • NCUSIF 14692

Call Report peers

ONPATH in the assets neighbourhood

Members Cooperative$1.17BUNIVERSITY$1.17BONPATH (this)$1.17BWILDFIRE$1.17BVIBRANT$1.17BCity & County$1.17B
Nearest other-state credit unions by total assets (NCUA 5300)

ONPATH's $1.17B assets sit next to UNIVERSITY ($1.17B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

ONPATH vs every NCUA-scored credit union

Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing

87 Top 40% higher than 60% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

ONPATH - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #14692: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for ONPATH Share insurance under NCUSIF covers up to $250,000 per share owner. ONPATH holds approximately $946.5M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.5 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.5% · $946.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Where ONPATH diverges from peer averages

  • Loan-to-Share Ratio leads the peer set - 98.92% here, 83.90% peer average (+15.02 pp).
  • Widest shortfall vs peers is Delinquency Rate: +0.60 pp (1.48% vs 0.87%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

ONPATH: in-state Call Report ranks

  • In Louisiana, health place is #40 of 138 on the same NCUA-ratio sort used nationally.
  • Assets rank #4 of 138 inside Louisiana ($1.17B reported).
  • Louisiana membership ordinal: #2 of 138.

In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

ONPATH: 2025Q4 → 2026Q1

ONPATH: total assets by quarter

4 Call Report filings on this page's own vintage chain

400,000,000600,000,000800,000,0001,000,000,0001,200,000,0001,400,000,000 2023Q42024Q42025Q42026Q1 616,607,050 1,263,793,052 ▲ +105.0%
  • Assets moved +7.8% from $1.17B (2025Q4) to $1.26B (2026Q1).
  • Net-worth ratio shifted +0.25 pp (11.24% → 11.49%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 76.6%

At 11.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 87/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 87.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 16.4 pts
  • Return on Assets 15.0 pts
  • Member Growth 14.3 pts
  • Loan-to-Share Ratio 11.3 pts

Financial Health Metrics

Metric Value vs peer
Net Worth Ratio 11.49% +0.31 pp
Delinquency Rate 1.48% +0.60 pp
Return on Assets 0.93% +0.43 pp
Member Growth 4.45% -
Loan-to-Share Ratio 98.92% +15.02 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Call Report history - ONPATH

Quarter Assets Members
2026Q1 $1.26B -
2025Q4 $1.17B 89,202
2024Q4 $1.04B 85,402
2023Q4 $616.6M 53,745

Credit Union Details

Charter Number
14692
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
Over $500M
State
Louisiana
City
Metairie
Data Quarter
2025Q4

Branch Locations (17)

Per its most recent NCUA branch filing, ONPATH runs 17 offices in 15 different cities.

Office City
OnPath FCU (Main Office) Metairie, LA
Covington Branch Covington, LA
Gonzales Branch Gonzales, LA
Gramercy Branch Gramercy, LA
Hammond Branch Hammond, LA
Harahan Branch Harahan, LA
Lapalco Branch Harvey, LA
Kenner Branch Kenner, LA
LaPlace Branch La Place, LA
Mandeville Causeway Mandeville, LA
Algiers Branch New Orleans, LA
Mid City Branch New Orleans, LA
Uptown Branch New Orleans, LA
Norco Branch Norco, LA
Slidell Branch Slidell, LA
Thibodaux Branch Thibodaux, LA
Westwego Branch Westwego, LA

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Louisiana

More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.

Compare ONPATH vs EFCU FINANCIAL

Cross-state Call Report peers for ONPATH

Two NCUA Call Report peer sets for ONPATH, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).

Similar health score

Nearest other-state credit unions by five-factor health composite (87/100 here).

Cleveland-Bradley Cty Teacher 87 · TN T M H 87 · FL SM 87 · KS L C E 87 · OH

Using this data

  • ONPATH ranks #1,666 of 4,374 nationally on financial health and #40 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Efcu Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Efcu Financial
  • Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview

National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Frequently Asked Questions

Is ONPATH financially healthy?

A 11.49% net worth ratio and a 1.48% delinquency rate feed into ONPATH's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,666 of 4,374; by total assets it ranks #411 of 4,374 nationally (same basis as /rankings/largest); and #4 of 138 within Louisiana. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does ONPATH compare to other credit unions?

On PlainCU's health composite, ONPATH lands at 87/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join ONPATH?

ONPATH serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact ONPATH directly for the current list of qualifying groups.

Is my money safe at ONPATH?

Federal credit unions like ONPATH are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ONPATH's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does ONPATH offer compared to banks?

Credit unions like ONPATH are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ONPATH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for ONPATH. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.