BlastPoint's Credit Union Scorecard
HIGHWAY CROSSROADS
Charter #60167 · MO
HIGHWAY CROSSROADS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
- + Net Interest Margin 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.58% above tier average
- - Share Certificate Concentration (%): Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,404
-0.7% YoY-0.8% QoQ
|
-211 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$24.4M
+5.5% YoY-1.5% QoQ
|
$-5.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$17.4M
-12.8% YoY-5.1% QoQ
|
+$1.6M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$20.3M
+5.7% YoY-0.6% QoQ
|
$-5.3M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.6%
-16.0% YoY-48.1% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.4%
-2.1% YoY+0.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
79.8%
+13.7% YoY+8.5% QoQ
|
-2.8% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
4.1%
+457.6% YoY+141.0% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 8.2% in tier |
| Loan To Share |
85.5%
-17.5% YoY-4.6% QoQ
|
+24.9% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 14.6% in tier |
| AMR |
$15,700
-3.1% YoY-2.0% QoQ
|
+$917 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
51.4%
+7.9% YoY+1.0% QoQ
|
+27.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 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)