BlastPoint's Credit Union Scorecard
CROSSROADS COMMUNITY
Charter #2508 · NY
CROSSROADS COMMUNITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.0% in tier
- + Total Deposits: Top 3.5% in tier
- + Efficiency Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,235
-3.9% YoY-1.2% QoQ
|
+2.6K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.4% in tier |
| Assets |
$92.5M
+3.5% YoY+0.2% QoQ
|
+$62.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 3.0% in tier |
| Loans |
$23.0M
-4.5% YoY-1.6% QoQ
|
+$7.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$78.3M
+1.9% YoY-0.3% QoQ
|
+$52.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.5% in tier |
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| ROA |
1.8%
+18.1% YoY+2.1% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 9.7% in tier |
| NIM |
3.5%
+8.7% YoY-0.3% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
51.1%
-12.9% YoY-0.7% QoQ
|
-31.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
0.1%
+14.7% YoY+27.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
29.4%
-6.2% YoY-1.3% QoQ
|
-31.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.7% in tier |
| AMR |
$19,354
+4.4% YoY+0.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
11.5%
-6.3% YoY+2.8% QoQ
|
-13.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)