BlastPoint's Credit Union Scorecard
HIGHWAY CROSSROADS
Charter #60167 · MO
HIGHWAY CROSSROADS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% 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 0.21% above tier average
- - Share Certificate Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,423
-0.0% YoY-0.4% QoQ
|
-202 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$24.8M
+7.0% YoY-1.7% QoQ
|
$-5.1M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$18.3M
-9.6% YoY-4.5% QoQ
|
+$2.6M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$20.5M
+6.0% YoY-2.8% QoQ
|
$-5.0M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
1.2%
+120.9% YoY+63.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
4.4%
-0.4% YoY-5.9% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
73.5%
+2.1% YoY+13.9% QoQ
|
-7.9% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
1.7%
+106.0% YoY+128.6% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
89.7%
-14.7% YoY-1.8% QoQ
|
+28.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 11.2% in tier |
| AMR |
$16,016
-1.9% YoY-3.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
50.9%
+9.2% YoY+5.2% QoQ
|
+26.5% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)