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 1.33% above tier average
- + Total Assets: Top 1.6% in tier
- + Total Deposits: Top 2.7% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,191
-3.5% YoY-0.8% QoQ
|
+2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$94.8M
+4.0% YoY+2.5% QoQ
|
+$64.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 1.6% in tier |
| Loans |
$22.3M
-1.2% YoY-2.9% QoQ
|
+$7.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$80.3M
+2.6% YoY+2.6% QoQ
|
+$54.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 2.7% in tier |
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| ROA |
1.5%
-7.2% YoY-18.2% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.3%
-4.4% YoY-6.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
56.8%
-0.7% YoY+11.0% QoQ
|
-33.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
0.3%
+128.9% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
27.8%
-3.7% YoY-5.3% QoQ
|
-30.7% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.6% in tier |
| AMR |
$19,775
+5.4% YoY+2.2% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
11.9%
+5.7% YoY+3.8% QoQ
|
-12.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)