BlastPoint's Credit Union Scorecard
CROSSROADS
Charter #68557 · KS
CROSSROADS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.67% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,053
-1.6% YoY-0.2% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$12.3M
+2.9% YoY+5.6% QoQ
|
$-17.9M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$6.5M
-11.1% YoY-2.2% QoQ
|
$-8.8M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$9.6M
+1.8% YoY+6.5% QoQ
|
$-16.2M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
1.4%
-45.3% YoY-17.1% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
4.2%
-13.6% YoY-6.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
56.9%
-1.9% YoY-6.2% QoQ
|
-33.8% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
4.2%
-22.4% YoY-2.1% QoQ
|
+2.7 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
67.5%
-12.6% YoY-8.2% QoQ
|
+9.0% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$15,276
-2.3% YoY+3.0% QoQ
|
+$392 |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
26.3%
+18.3% YoY-8.9% QoQ
|
+2.1% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)