TellerScore

Towpath Credit Union (NCUA charter #96658) is based in Fairlawn, Ohio. Its Q2 2026 call report shows $214.9M in total assets and $190.0M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Towpath Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 118th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is earnings (53/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.43%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity76/100
Loans ÷ shares: 84.2% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202467
Q4 202465
Q1 202565
Q2 202567
Q3 202569
Q4 202567
Q1 202669
Q2 202667
Net worth ratio
7.00%9.21%11.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.18%
Q3 202411.34%
Q4 202411.17%
Q1 202510.92%
Q2 202511.08%
Q3 202511.38%
Q4 202511.24%
Q1 202611.38%
Q2 202611.43%
Delinquent loans (60+ days)
0.72%0.83%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.79%
Q4 20240.94%
Q1 20250.85%
Q2 20250.79%
Q3 20250.72%
Q4 20250.87%
Q1 20260.79%
Q2 20260.95%
Return on assets
0.41%0.62%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.49%
Q4 20240.51%
Q1 20250.56%
Q2 20250.67%
Q3 20250.80%
Q4 20250.80%
Q1 20260.79%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$214.9M11.43%0.95%0.82%84.2%
Q1 202669$211.8M11.38%0.79%0.79%80.9%
Q4 202567$210.7M11.24%0.87%0.80%81.2%
Q3 202569$205.6M11.38%0.72%0.80%80.9%
Q2 202567$206.2M11.08%0.79%0.67%79.3%
Q1 202565$205.6M10.92%0.85%0.56%77.2%
Q4 202465$198.4M11.17%0.94%0.51%78.0%
Q3 202467$194.2M11.34%0.79%0.49%78.7%
Q2 202466$194.2M11.18%0.73%0.41%77.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.43%
50th
Problem loans0.95%
33rd
Net charge-offs0.69%
21st
Return on assets0.82%
56th
Loans to deposits84.2%
30th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio6.2%
30th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
Achieve Credit UnionCredit union Elyria, OH69 out of 100, Moderate$210.1M11.3%1.01%vs
Associated School Employees Credit UnionCredit union Youngstown, OH70 out of 100, Strong$222.1M10.3%0.30%vs
Impact Credit Union, Inc.Credit union Clyde, OH63 out of 100, Moderate$205.7M8.9%0.43%vs
Credit Union of OhioCredit union Hilliard, OH60 out of 100, Moderate$205.4M10.7%1.34%vs
Aurgroup Credit UnionCredit union Fairfield, OH68 out of 100, Moderate$203.8M8.9%0.40%vs

Deposit insurance

Is my money safe at Towpath Credit Union?

Towpath Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Towpath Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Towpath Credit Union reported 404 home-loan applications under HMDA (LEI 254900HQBR2XD7IAKH63): 238 originated ($19,750,000 total), 41 denied, and 123 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Towpath Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96658
RSSD ID
425797
Primary regulator
State + NCUA
Headquarters
2969 Smith Rd, Fairlawn, OH 44333
Employees
67

Quick answers

Towpath Credit Union: common questions

Is Towpath Credit Union NCUA insured?

Towpath Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Towpath Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Towpath Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs