State credit union · Columbus, Ohio · NCUA charter #66376
Pathways Financial
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $755.2M
- Total assets
- 59,869
- Members
- 10.5%
- Net-worth ratio
Pathways Financial scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $755.2M; members 59,869; net-worth ratio 10.46%; health rank #976 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#976 of 4,374 health · 2025Q4Pathways Financial · health 91/100 · $755.2M · 2025Q4
- NCUSIF 91/100
- CAMELS 10.5%
- HEALTH 1.01%
- NW 0.27%
- DELQ $755.2M
- ROA 59,869
- ASSETS #976/4,374
- MEM PROFED
- RANK 66376
Call Report peers
Pathways Financial in the assets neighbourhood
Pathways Financial's $755.2M assets sit next to PROFED ($754.9M) 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.
Pathways Financial 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
91 Top 23% higher than 77% 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
Pathways Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66376. See our deposit-insurance coverage note.
Where Pathways Financial diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 79.34% vs peer 83.90% (-4.56 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Pathways Financial sits in Ohio
- Ohio health ordinal: #38 of 196.
- By total assets, Pathways Financial is #13 of 196 in Ohio.
- Ohio membership ordinal: #10 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Pathways Financial's 5300 filing moved
Pathways Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $755.2M (2025Q4) to $776.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.58% → 10.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 11.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.46% | -0.72 pp |
| Delinquency Rate | 1.01% | +0.14 pp |
| Return on Assets | 0.27% | -0.24 pp |
| Member Growth | 15.57% | - |
| Loan-to-Share Ratio | 79.34% | -4.56 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $776.4M | - |
| 2025Q4 | $755.2M | 59,869 |
| 2024Q4 | $653.5M | 51,802 |
| 2023Q4 | $604.0M | 48,126 |
Credit Union Details
- Charter Number
- 66376
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Columbus
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Pathways Financial runs 13 offices in 8 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Columbus, OH |
| Aberdeen | Aberdeen, OH |
| Beavercreek | Beavercreek, OH |
| Grandview | Columbus, OH |
| Columbus West | Columbus, OH |
| Whitehall | Columbus, OH |
| Vital Records Center | Columbus, OH |
| Clintonville | Columbus, OH |
| Delaware | Delaware, OH |
| Englewood | Englewood, OH |
| Marysville | Marysville, OH |
| Seven Hills | Seven Hills, OH |
| Springfield | Springfield, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Pathways Financial nationwide neighbourhoods
Two NCUA Call Report peer sets for Pathways Financial, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($755.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Pathways Financial ranks #976 of 4,374 nationally on financial health and #38 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DOVER-PHILA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DOVER-PHILA
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Pathways Financial financially healthy?
Pathways Financial scores 91/100 (Excellent) 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 #976 of 4,374; by total assets it ranks #581 of 4,374 nationally (same basis as /rankings/largest); and #13 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.46% net worth ratio and a 1.01% delinquency rate.
How does Pathways Financial compare to other credit unions?
PlainCU's health composite puts Pathways Financial at 91/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Pathways Financial?
Membership eligibility for Pathways Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pathways Financial directly for current membership requirements and application steps.
Is my money safe at Pathways Financial?
Federal credit unions like Pathways Financial 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. Pathways Financial's net worth ratio of 10.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pathways Financial offer compared to banks?
Credit unions like Pathways Financial 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 Pathways Financial 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.