Towpath Credit Union Fairlawn, Ohio
Towpath Credit Union is a state-chartered credit union headquartered in Fairlawn, OH (NCUA charter 96658), and it is regulated and insured by the NCUA. At Q2 2026 it reported 26,048 members and total assets of $214.9M (up 4.2% from Q2 2025), the 46th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band.
Also written as Towpath CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96658
- Headquarters
- Fairlawn, OH
- Established
- Not reported
- Total assets, Q2 2026
- $214.9M
- Assets vs Q2 2025
- +4.2%
- Members, Q2 2026
- 26,048
- Net worth ratio, Q2 2026
- 11.43%
- Latest call report
- Q2 2026, NCUA 5300 · Towpath Credit Union call report
- Asset rank in state
- 46th of 191 in Ohio
- Routing number
- 241273120
- Branches
- 4
It has 1 more member than on June 30, 2025. Its net worth ratio was up 0.35 percentage points from 11.08% on June 30, 2025. Used vehicle loans are its largest loan category, $57.3M of $159.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.95% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.43% net worth ratio matches that band's 11.43% median.
Credit unions similar in size in Ohio
Credit unions merged into Towpath Credit Union
Goodyear Employees Credit Union, Inc. (2022) · Akron Municipal Employees Credit Union, Inc. (2021)
Frequently asked about Towpath Credit Union
How big is Towpath Credit Union?
At Q2 2026 it reported total assets of $214.9M and 26,048 members.
Where is Towpath Credit Union headquartered?
It is headquartered in Fairlawn, OH, United States.
Is Towpath Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96658): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Towpath Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Towpath Credit Union well capitalized?
Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Towpath Credit Union's delinquency ratio?
Its delinquency ratio was 0.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Towpath Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fairlawn, OH 44333
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 96658
- RSSD ID
- 425797
- Members
- 26,048
- Potential members
- 277,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.43% | 11.43% | 50th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.87% | 0.81% | 54th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.64% | 7.02% | 55th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.12% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.91% | 76.55% | 38th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.66% | 1.24% | 88th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.95% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.77% | 4.92% | 89th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.16% | 75.66% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$214.9M total assets against $206.2M; $190.0M total shares and deposits against $182.8M; $159.9M total loans against $145.0M.
$24.6M net worth against $22.9M.
11.43% net worth ratio against 11.08%.
84.16% loan-to-share ratio against 79.32%.
0.95% delinquency ratio against 0.79%.
0.87% return on assets against 0.78%; 7.64% return on equity against 7.08%.
5.12% net interest margin against 4.87%.
26,048 members against 26,047.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.43% | 0.87% | 0.95% | 84.16% |
| March 31, 2026 | 11.38% | 0.79% | 0.79% | 80.88% |
| December 31, 2025 | 11.24% | 0.87% | 0.87% | 81.21% |
| September 30, 2025 | 11.38% | 1.06% | 0.72% | 80.85% |
| June 30, 2025 | 11.08% | 0.78% | 0.79% | 79.32% |
| March 31, 2025 | 10.92% | 0.56% | 0.85% | 77.20% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.