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Overview / Commentary
800-367-7485
5665 N Hamilton Rd
Columbus, OH 43230

Pathways Financial Credit Union is headquartered in Columbus and is the 25th largest credit union in the state of Ohio. It is also the 865th largest credit union in the nation. It was established in 1973 and as of March of 2014, it had grown to 66 employees and 26,735 members. Pathways Financial Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Delaware, Franklin, Madison, or Union County. - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pathways Financial Credit Union had $1.69 million in non-current loans and owned real-estate with $20.37 million in equity and loan loss allowances on hand to cover it. This gives Pathways Financial Credit Union a Texas Ratio of 8.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Pathways Financial Credit Union decreased slightly from 9.39% as of March 31, 2013 to 8.31% as of March 31, 2014, resulting in a positive change of 11.46%.This indicates that the balance sheet and financial strength for Pathways Financial Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Pathways Financial Credit Union has increased its total deposits by $27.05 million, resulting in 15.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pathways Financial Credit Union has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pathways Financial Credit Union has $223.35 million in assets with $20.37 million in equity, resulting in a capitalization level of 9.12%, which is average.

Institution Statistics

Overall
NCUA #66376
Year Chartered1973
Employees66
Primary Regulator
Assets and Liabilities
Assets$223.35 million
Loans$114.96 million
Deposits$198.37 million
Equity Capital$20.10 million
Loan Loss Allowance$279,000
Unbacked Noncurrent Loans$1.15 million
Real Estate Owned$549,000
Historic Data - March 2013
Assets$192.10 million
Equity Capital$17.53 million
Loan Loss Allowance$146,000
Unbacked Noncurrent Loans$1.15 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.18%
Return on Equity1.99%
Interest Income$1.65 million
Rates

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Pathways Financial Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%$2,500-Health Savings Account
0.15%$100-Traditional IRA
0.10%$250-Regular Shares
0.10%$250-Secondary Member Shares
0.05%$250-Christmas Club
0.05%$250-Vacation Club

Pathways Financial Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$50k-Money Fund

Pathways Financial Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Premium Business Checking
0.05%$250-Premier Checking

Pathways Financial Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$500-60 Month Share Certificate
1.01%$500-48 Month Share Certificate
0.75%$500-36 Month Share Certificate
0.50%$500-24 Month Share Certificate
0.25%$500-12 Month Share Certificate
Locations


Pathways Financial Credit Union Locations
Branch Office490 S Jefferson AvePlain City, OH 43064
Branch Office5665 N Hamilton RdColumbus, OH 43230
Branch Office1445 Goodale BlvdColumbus, OH 43212
Branch Office121 Emmaus RdMarysville, OH 43040
Branch Office879 W William StDelaware, OH 43015
Branch Office750 Georgesville RdColumbus, OH 43228
Branch Office1 Riverside PlzColumbus, OH 43215