Credit union
OnPath Credit Union
Metairie, Louisiana, Jefferson Parish, LA
$1.5B in total assets and 98,888 members, the 338th largest of 4,298 US credit unions and 2nd of 136 headquartered in Louisiana.
- NCUA charter
- 14692
- Charter
- Federal
- Chartered
- 1961
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily federal, state, local government
- Low-income designation
- Yes
- Website
- https://www.beonpath.org/
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.5B | 31% | $2.1B | |
| Loans | $1.2B | 42% | $1.5B | |
| Deposits (shares) | $1.2B | 30% | $1.8B | |
| Members | 98,888 | 42% | 118,683 | |
| Return on assets | 0.82% | 51% | 0.82% | |
| Net interest income to assets | 4.09% | 88% | 3.42% | |
| Efficiency ratio | 77.0% | 72% | 71.7% | |
| Net worth ratio | 10.04% | 31% | 10.89% | |
| Loans to shares | 99% | 84% | 88% | |
| Cost of deposits | 2.14% | 76% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 16.8% a year over 10 years and 26.2% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 9.6% a year over 5 years, to 98,888.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2026 | Heritage Bank of St Tammany Bank, Covington, LA | $168M |
| Nov 2024 | South Louisiana Highway Federal Credit Union Credit union, Bridge City, LA | $6M |
| Jun 2024 | Louisiana Federal Credit Union Credit union, Laplace, LA | $409M |
| Feb 2014 | Nicholls Federal Credit Union Credit union, Thibodaux, LA | $1M |
| Jun 2013 | Ochsner Clinic Federal Credit Union Credit union, failed, New Orleans, LA | $9M |
Where they operate
19 branches in 9 counties.
1 of 19 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| St. Tammany Parish, LA | 6 | 5.8% | 3 of 41 |
| Jefferson Parish, LA | 5 | 3.6% | 10 of 42 |
| Orleans Parish, LA | 2 | 1.7% | 11 of 49 |
| Ascension Parish, LA | 1 | 3.2% | 7 of 20 |
| Lafourche Parish, LA | 1 | 3.0% | 12 of 15 |
| St. Charles Parish, LA | 1 | 7.1% | 3 of 9 |
| St. James Parish, LA | 1 | 11.1% | 2 of 6 |
| St. John The Baptist Parish, LA | 1 | 10.0% | 2 of 9 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 11 | |
| 2017 | 10 | −1 |
| 2018 | 10 | 0 |
| 2019 | 10 | 0 |
| 2020 | 7 | −3 |
| 2021 | 7 | 0 |
| 2022 | 8 | +1 |
| 2023 | 11 | +3 |
| 2024 | 11 | 0 |
| 2025 | 17 | +6 |
| Jun 2026 | 19 | +2 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.35% | 0.69% |
| Net worth ratio | 10.04% | 10.89% |
| Loans to shares | 99% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Louisiana
Most branches in St. Tammany Parish, LA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.