ZUnclassifiedEIN: 340058905· Ruling Year: 1969

138 Towpath Credit Union Inc

Fairlawn, Ohio

B+Health Score
72B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.90×
Peer Median5.86×
💰
$11.6M
Total Revenue
📊
$10.6M
Total Expenses
🏦
$20.2M
Net Assets
📋
$177.9M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+29.9%
Year-over-year change (2022 → 2023)
Net Margin
+8.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.90
Net assets divided by total expenses
Liabilities-to-Assets
89.8%
Total liabilities as % of total assets

Filing History

10 filings on record
YearRevenueExpensesAssets
2023$11,618,29730%$10,590,91126%$198,013,4633%
2022$8,942,68115%$8,426,99616%$191,683,8207%
2021$7,800,1135%$7,248,682$178,726,50436%
2019$8,203,326$7,255,1824%$131,344,9493%
2018$8,170,86713%$6,976,2299%$127,845,4771%
2017$7,238,03535%$6,428,15830%$126,948,78412%
2014$5,346,6538%$4,963,6529%$113,545,148
2013$4,970,191$4,544,8943%$113,894,801
2012$4,990,46819%$4,704,71721%$114,237,8742%
2011$6,156,304$5,988,276$112,061,916

Frequently Asked Questions

What does 138 Towpath Credit Union Inc do?

138 Towpath Credit Union Inc is a unclassified nonprofit organization based in Ohio. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is 138 Towpath Credit Union Inc financially healthy?

Based on our 9-metric Financial Health Score model, 138 Towpath Credit Union Inc has a score of 72/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does 138 Towpath Credit Union Inc generate?

138 Towpath Credit Union Inc reports $13.6M in annual revenue and holds $198.3M in total assets, based on IRS filings.

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