BlastPoint's Credit Union Scorecard
CROSSPOINT
Charter #1309 · CT
CROSSPOINT has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.1% in tier
- - Credit Quality Pressure: Bottom 27.5% in tier
- - Credit Risk Growth: Bottom 28.0% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 11.84% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,260
-0.4% YoY+0.2% QoQ
|
-5.4K |
15,628
-3.4% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$157.8M
+2.6% YoY-2.4% QoQ
|
$-73.5M |
$231.3M
-0.0% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$68.3M
+3.4% YoY-2.6% QoQ
|
$-79.5M |
$147.8M
-1.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.2% in tier |
| Deposits |
$139.3M
+2.9% YoY-2.5% QoQ
|
$-60.9M |
$200.3M
-0.0% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.5%
+18.6% YoY-4.2% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
2.8%
+6.1% YoY+3.4% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
89.1%
-0.0% YoY-0.0% QoQ
|
+11.8% |
77.3%
-3.0% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 11.9% in tier |
| Delinquency Rate |
1.2%
+1.8% YoY+2.1% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
49.0%
+0.5% YoY-0.2% QoQ
|
-23.7% |
72.7%
-1.5% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.9% in tier |
| AMR |
$20,241
+3.5% YoY-2.7% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
18.2%
+9.3% YoY+4.3% QoQ
|
-6.2% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.9%
-8.8% QoQ
|
-11.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)