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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,217 of 4,374 health · 2025Q4PATH · health 53/100 · $13.9M · 2025Q4
- CHARTER 53/100
- NCUSIF 27.1%
- CAMELS 4.76%
- HEALTH -4.17%
- NW $13.9M
- DELQ 1,420
- ROA #4,217/4,374
- ASSETS Local 24 Employees
- MEM 8118
Call Report peers
PATH in the assets neighbourhood
PATH's $13.9M assets sit next to Local 24 Employees ($13.9M) 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.
PATH 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8118. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PATH: 2025Q4 → 2026Q1
PATH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $13.9M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -0.49 pp (27.62% → 27.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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.
Cross-state Call Report peers for PATH
PATH's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 PATH financially healthy?
PATH scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,217 of 4,374; by total assets it ranks #3,364 of 4,374 nationally (same basis as /rankings/largest); and #73 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 27.13% net worth ratio and a 4.76% delinquency rate.
How does PATH compare to other credit unions?
PATH scores 53/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like PATH 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. PATH's net worth ratio of 27.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PATH offer compared to banks?
Credit unions like PATH 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 PATH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.