CROSSROADS
Charter #68557 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
CROSSROADS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 1.76% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,062
-0.7% YoY-0.7% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$11.8M
+6.0% YoY-0.7% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$6.9M
-7.0% YoY+2.1% QoQ
|
$-8.8M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
41st in tier |
| Deposits |
$9.2M
+4.7% YoY-1.4% QoQ
|
$-16.2M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
35th in tier |
| ROA |
0.7%
-58.2% YoY-73.7% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
4.6%
-10.3% YoY-1.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 25.0% in tier |
| Efficiency Ratio |
58.5%
+21.7% YoY-1.5% QoQ
|
-22.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
3.3%
-3.5% YoY+31.1% QoQ
|
+1.8 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 10.5% in tier |
| Loan To Share |
75.2%
-11.1% YoY+3.5% QoQ
|
+14.0% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$15,212
+0.0% YoY+0.8% QoQ
|
+$585 |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
59th in tier |
| CD Concentration |
25.0%
+17.5% YoY+10.3% QoQ
|
+0.6% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
100
Net Charge-Off Rate
risk
Value:
-0.13%
Peer Avg: 0.57%
#100 of 2596
Top 3.8% in <100M tier
321
Efficiency Ratio
profitability
Value:
58.54%
Peer Avg: 81.39%
#321 of 2596
Top 12.3% in <100M tier
476
Net Worth Ratio
risk
Value:
21.31%
Peer Avg: 16.43%
#476 of 2596
Top 18.3% in <100M tier
528
Asset Growth Rate
growth
Value:
6.04%
Peer Avg: 1.82%
#528 of 2596
Top 20.3% in <100M tier
648
Net Interest Margin (NIM)
profitability
Value:
4.56%
Peer Avg: 3.93%
#648 of 2596
Top 24.9% in <100M tier
Top Weaknesses (2 metrics)
2324
Total Delinquency Rate (60+ days)
risk
Value:
3.26%
Peer Avg: 1.51%
#2324 of 2596
Bottom 10.5% in <100M tier
1971
Share Certificate Concentration (%)
balance_sheet
Value:
25.01%
Peer Avg: 15.37%
#1971 of 2596
Bottom 24.1% in <100M tier