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.
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NCUA 5300 Call Report Masthead
#976 of 4,374 health · 2025Q4Pathways Financial · health 91/100 · $755.2M · 2025Q4
Call Report peers
Pathways Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Pathways Financial sits in 90-94 with 747 others.
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
Where Pathways Financial diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 79.34% vs peer 83.90% (-4.56 pp).
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.
- One place up in Ohio, PILLAR (#37) ties at 91/100; one place down, INTEGRITY (#39) ties at 91/100.
How Pathways Financial's 5300 filing moved
Pathways Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $755.2M (2025Q4) to $776.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.58% → 10.46%).
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
Pathways Financial gives up 9 points in total. Delinquency Rate costs the most, 5.1 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Pathways Financial financially healthy?
Pathways Financial has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #976 of 4,374 nationally on health and #38 of 196 in Ohio. Its net worth ratio is 10.46% and its delinquency rate 1.01%.
How does Pathways Financial compare to other credit unions?
Pathways Financial scores 91/100, higher than 77% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (79.34% vs 83.90%).
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?
Pathways Financial 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. Pathways Financial's net worth ratio of 10.46% exceeds 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.