BlastPoint's Credit Union Scorecard
HIGHWAY CROSSROADS
Charter #60167 · MO
HIGHWAY CROSSROADS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 3.11% above tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Share Certificate Concentration (%): Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits -2.8% year over year ($20.4M in shares and deposits).
- Membership: 2,386 members, -1.9% vs a year ago.
- Delinquency rate 4.65%.
- Return on assets 1.82%.
- Efficiency ratio 78.89% vs a 88.77% peer average.
- Loan-to-share ratio 77.73% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,386
-1.9% YoY-0.7% QoQ
|
-199 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$24.4M
-3.3% YoY-2.5% QoQ
|
$-5.9M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$15.9M
-17.3% YoY-5.7% QoQ
|
+$434K |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$20.4M
-2.8% YoY-2.5% QoQ
|
$-5.4M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
1.8%
+147.5% YoY+153.1% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Top 12.4% in tier |
| NIM |
4.1%
-11.9% YoY+5.3% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
78.9%
+22.2% YoY-1.6% QoQ
|
-9.9% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
4.7%
+519.7% YoY+3.6% QoQ
|
+3.1 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
77.7%
-14.9% YoY-3.2% QoQ
|
+18.8% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$15,230
-8.0% YoY-3.3% QoQ
|
+$267 |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
52.3%
+8.0% YoY-1.1% QoQ
|
+27.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)