State credit union · CLEVELAND, Tennessee · NCUA charter #68124
PATHWAY
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $6.8M
- Total assets
- 964
- Members
- 7.0%
- Net-worth ratio
PATHWAY scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.8M; members 964; net-worth ratio 6.97%; health rank #2,668 of 4,374; healthier than 39th of scored peers.
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PATHWAY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PATHWAY sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Where PATHWAY diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.89% here, 63.60% peer average (+24.29 pp).
- Largest lag: Net Worth Ratio at 6.97% vs peer 19.06% (-12.09 pp).
PATHWAY: in-state Call Report ranks
- Tennessee health ordinal: #77 of 127.
- Assets rank #110 of 127 inside Tennessee ($6.8M reported).
- Member book place in Tennessee: #108 of 127.
- One place up in Tennessee, TNCONNECT (#76) ties at 81/100; one place down, VANDERBILT (#78) scores 80/100, 1 point lower.
PATHWAY: 2025Q4 → 2026Q1
PATHWAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $6.8M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -0.32 pp (7.29% → 6.97%).
6.97% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 81/100 score is built
PATHWAY gives up 19 points in total. Member Growth costs the most, 8.9 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 22.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.3 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for PATHWAY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.97% | -12.09 pp |
| Delinquency Rate | 0.12% | -1.69 pp |
| Return on Assets | 0.32% | -0.13 pp |
| Member Growth | -1.63% | - |
| Loan-to-Share Ratio | 87.89% | +24.29 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - PATHWAY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 2025Q4 | $6.8M | 964 |
| 2024Q4 | $6.4M | 980 |
| 2023Q4 | $6.4M | 959 |
Credit Union Details
- Charter Number
- 68124
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for PATHWAY, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| CHURCH OF GOD CREDIT UNION (Main Office) | CLEVELAND, TN |
| CSPI | Lowell, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
PATHWAY nationwide neighbourhoods
Similar health score
Using this data
- PATHWAY ranks #2,668 of 4,374 nationally on financial health and #77 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMORIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMORIAL
Frequently Asked Questions
Is PATHWAY financially healthy?
PATHWAY has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,668 of 4,374 nationally on health and #77 of 127 in Tennessee. Its net worth ratio is 6.97% and its delinquency rate 0.12%.
How does PATHWAY compare to other credit unions?
PATHWAY scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (87.89% vs 63.60%). Its widest shortfall is net worth ratio (6.97% vs 19.06%).
How can I join PATHWAY?
Membership eligibility for PATHWAY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PATHWAY directly for current membership requirements and application steps.
Is my money safe at PATHWAY?
PATHWAY is a state-chartered 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. PATHWAY's net worth ratio of 6.97% is relative to the 7% threshold NCUA considers "well capitalized."
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.