BlastPoint's Credit Union Scorecard

HIGHWAY CROSSROADS

Charter #60167 · MO

<100M

2508 CUs in <100M nationally 59 in MO

HIGHWAY CROSSROADS has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.57% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 2.99% above tier average
- Share Certificate Concentration (%): Bottom 2.8% in tier
- Total Delinquency Rate (60+ days): Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	2,403 -1.3% YoY-0.0% QoQ	-273	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	59%
Assets	$25.0M +1.6% YoY+2.4% QoQ	$-5.2M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	54%
Loans	$16.9M -14.6% YoY-3.2% QoQ	+$1.6M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	65%
Deposits	$21.0M +2.0% YoY+3.1% QoQ	$-4.8M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -24.7% YoY+15.3% QoQ	+0.6%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	56%
NIM	3.9% -16.4% YoY-11.4% QoQ	-0.1%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	80.2% +18.9% YoY+0.5% QoQ	-10.5%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	4.5% +352.7% YoY+8.5% QoQ	+3.0	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Bottom 6.8% in tier
Loan To Share	80.3% -16.3% YoY-6.1% QoQ	+21.8%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	82%
AMR	$15,743 -4.9% YoY+0.3% QoQ	+$859	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	59%
CD Concentration	52.9% +7.8% YoY+2.9% QoQ	+28.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

380

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#380 of 2508 Top 15.1% in <100M tier

417

Members Per Employee (MPE)

engagement

Value: 480.600

Peer Median: 333.750

#417 of 2508 Top 16.6% in <100M tier

449

Loan-to-Share Ratio

balance_sheet

Value: 80.33%

Peer Median: 58.72%

#449 of 2508 Top 17.9% in <100M tier

625

Loan-to-Member Ratio (LMR)

engagement

Value: $7,013

Peer Median: $4,923

#625 of 2508 Top 24.9% in <100M tier

Top Weaknesses (4 metrics)

2440

Share Certificate Concentration (%)

balance_sheet

Value: 52.86%

Peer Median: 12.45%

#2440 of 2508 Bottom 2.8% in <100M tier

2339

Total Delinquency Rate (60+ days)

risk

Value: 4.49%

Peer Median: 0.65%

#2339 of 2508 Bottom 6.8% in <100M tier

2203

Loan Growth Rate

growth

Value: -14.61%

Peer Median: -2.36%

#2203 of 2508 Bottom 12.2% in <100M tier

2071

AMR Growth Rate

growth

Value: -4.86%

Peer Median: 1.27%

#2071 of 2508 Bottom 17.5% in <100M tier