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
- NW 89/100
- DELQ 11.4%
- ROA 0.87%
- ASSETS 0.48%
- MEM $210.7M
- RANK 25,500
- PHOTO #1,286/4,374
- BOOK SUCCESS
- CHARTER 96658
Call Report peers
TOWPATH in the assets neighbourhood
TOWPATH's $210.7M assets sit next to SUCCESS ($210.6M) 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.
TOWPATH 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
89 Top 31% higher than 69% 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
TOWPATH - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #96658 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TOWPATH: 2025Q4 → 2026Q1
TOWPATH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $210.7M (2025Q4) to $211.8M (2026Q1).
- Net-worth ratio shifted +0.14 pp (11.24% → 11.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
TOWPATH's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($210.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 TOWPATH financially healthy?
TOWPATH has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,286 of 4,374; by total assets it ranks #1,245 of 4,374 nationally (same basis as /rankings/largest); and #46 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.38% and delinquency rate of 0.87%.
How does TOWPATH compare to other credit unions?
TOWPATH scores 89/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like TOWPATH 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. TOWPATH's net worth ratio of 11.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TOWPATH offer compared to banks?
Credit unions like TOWPATH 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 TOWPATH 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.