BlastPoint's Credit Union Scorecard
CROSSROADS FINANCIAL
Charter #7002 · IN
CROSSROADS FINANCIAL demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.68% above tier average
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.3% in tier
- + Total Deposits: Top 2.1% in tier
- + Total Members: Top 2.3% in tier
- + Efficiency Ratio: Top 6.7% in tier
- + Total Loans: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,982
+0.2% YoY-0.1% QoQ
|
+6.4K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 2.3% in tier |
| Assets |
$96.8M
+7.3% YoY+0.6% QoQ
|
+$66.6M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Top 1.3% in tier |
| Loans |
$45.8M
+9.1% YoY+0.7% QoQ
|
+$30.1M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 7.2% in tier |
| Deposits |
$82.2M
+5.4% YoY-0.1% QoQ
|
+$56.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.1% in tier |
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| ROA |
2.3%
+8.0% YoY+6.7% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 3.9% in tier |
| NIM |
4.1%
-1.9% YoY+3.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
54.2%
-7.2% YoY-2.6% QoQ
|
-28.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.1%
-82.4% YoY-9.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
55.8%
+3.5% YoY+0.8% QoQ
|
-4.8% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$14,254
+6.4% YoY+0.2% QoQ
|
$-529 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
11.5%
+46.1% YoY-7.0% QoQ
|
-12.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 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)