Federal credit union · Jersey City, New Jersey · NCUA charter #8118

PATH

Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.

53
Health / 100
$13.9M
Total assets
1,420
Members
27.1%
Net-worth ratio

PATH scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.9M; members 1,420; net-worth ratio 27.13%; health rank #4,217 of 4,374; healthier than 3rd of scored peers.

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#4,217 of 4,374 health · 2025Q4

PATH · health 53/100 · $13.9M · 2025Q4

PATH in the assets neighbourhood

St Joe Valley$14.0MRefugio County$14.0MPATH (this)$13.9MLocal 24 Employees$13.9MINTEGRIS$13.9MFaith Community United$13.9M
Nearest other-state credit unions by total assets (NCUA 5300)

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PATH vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); PATH sits in 50-54 with 82 others.

53 3rd percentile higher than 3% 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

PATH vs $10M–$50M peers

  • Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +41.05 pp (100.85% vs 59.80%).
  • Return on Assets trails the peer set - -4.17% here, 0.70% peer average (-4.87 pp).

Where PATH sits in New Jersey

  • Health composite ranks #120 of 127 among scored New Jersey credit unions.
  • Assets rank #73 of 127 inside New Jersey ($13.9M reported).
  • New Jersey membership ordinal: #73 of 127.
  • One place up in New Jersey, Fort Dix (#119) scores 55/100, 2 points higher; one place down, Hamilton Horizons (#121) ties at 53/100.

PATH: 2025Q4 → 2026Q1

PATH: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

12,500,00013,000,00013,500,00014,000,00014,500,000 2023Q42024Q42025Q42026Q1 13,481,297 14,087,300 ▲ +4.5%
  • Assets moved +1.1% from $13.9M (2025Q4) to $14.1M (2026Q1).
  • Net-worth ratio shifted -0.49 pp (27.62% → 27.13%).
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

27.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 53/100 score is built

PATH gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 0.0 pts
  • Return on Assets 0.0 pts
  • Member Growth 12.7 pts
  • Loan-to-Share Ratio 10.3 pts

Call Report ratios for PATH

Metric Value vs peer
Net Worth Ratio 27.13% +12.27 pp
Delinquency Rate 4.76% +3.61 pp
Return on Assets -4.17% -4.87 pp
Member Growth 3.12% -
Loan-to-Share Ratio 100.85% +41.05 pp

Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.

PATH filing history

Quarter Assets Members
2026Q1 $14.1M -
2025Q4 $13.9M 1,420
2024Q4 $12.9M 1,377
2023Q4 $13.5M 1,351

Credit Union Details

Charter Number
8118
Type
Federal
Field of Membership
Community
Peer Group
$10M–$50M
State
New Jersey
City
Jersey City
Data Quarter
2025Q4

Branch Location

The NCUA branch filing lists a single physical office for PATH.

Office City
Path Federal (Main Office) Jersey City, NJ

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

Nearby Credit Unions in New Jersey

Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.

Compare PATH vs LOCAL 1233

Cross-state Call Report peers for PATH

Using this data

  • PATH ranks #4,217 of 4,374 nationally on financial health and #120 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Local 1233 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 1233

Frequently Asked Questions

Is PATH financially healthy?

On its 2025Q4 NCUA 5300 filing, PATH scores 53/100 (Fair), with a 27.13% net worth ratio and 4.76% of loans delinquent. It ranks #4,217 of 4,374 nationally on health and #120 of 127 in New Jersey.

How does PATH compare to other credit unions?

PATH scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (100.85% vs 59.80%). Its widest shortfall is return on assets (-4.17% vs 0.70%).

How can I join PATH?

PATH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PATH directly for the exact boundaries and application steps.

Is my money safe at PATH?

PATH is a federal credit union; its shares are federally 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. PATH's net worth ratio of 27.13% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for PATH. 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. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.