Federal credit union · Fairlawn, Ohio · NCUA charter #96658
TOWPATH
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $210.7M
- Total assets
- 25,500
- Members
- 11.4%
- Net-worth ratio
TOWPATH scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $210.7M; members 25,500; net-worth ratio 11.38%; health rank #1,286 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,286 of 4,374 health · 2025Q4TOWPATH · health 89/100 · $210.7M · 2025Q4
Call Report peers
TOWPATH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TOWPATH vs every NCUA-scored credit union
TOWPATH sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where TOWPATH diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 81.21% vs peer 72.20% (+9.01 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.73 pp (11.38% vs 12.11%).
Where TOWPATH sits in Ohio
- In Ohio, health place is #58 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #46 of 196 inside Ohio ($210.7M reported).
- Member book place in Ohio: #27 of 196.
- One place up in Ohio, PARISH (#57) ties at 89/100; one place down, SUN (#59) ties at 89/100.
TOWPATH: 2025Q4 → 2026Q1
TOWPATH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $210.7M (2025Q4) to $211.8M (2026Q1).
- Net-worth ratio shifted +0.14 pp (11.24% → 11.38%).
This credit union's 11.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
TOWPATH gives up 11 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 14.7 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.38% | -0.73 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 0.48% | -0.14 pp |
| Member Growth | -0.45% | - |
| Loan-to-Share Ratio | 81.21% | +9.01 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - TOWPATH
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $211.8M | - |
| 2025Q4 | $210.7M | 25,500 |
| 2024Q4 | $198.4M | 25,614 |
| 2023Q4 | $198.1M | 24,816 |
Credit Union Details
- Charter Number
- 96658
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Fairlawn
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, TOWPATH runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fairlawn, OH |
| North Hill | Akron, OH |
| Portage Lakes | Coventry Township, OH |
| Cuyahoga Falls | Cuyahoga Falls, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- TOWPATH ranks #1,286 of 4,374 nationally on financial health and #58 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STARK
Frequently Asked Questions
Is TOWPATH financially healthy?
TOWPATH has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,286 of 4,374 nationally on health and #58 of 196 in Ohio. Its net worth ratio is 11.38% and its delinquency rate 0.87%.
How does TOWPATH compare to other credit unions?
TOWPATH scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.21% vs 72.20%). Its widest shortfall is net worth ratio (11.38% vs 12.11%).
How can I join TOWPATH?
Membership eligibility for TOWPATH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TOWPATH directly for current membership requirements and application steps.
Is my money safe at TOWPATH?
TOWPATH 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. TOWPATH's net worth ratio of 11.38% 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.