BlastPoint's Credit Union Scorecard
CROSSROADS
Charter #68557 · KS
CROSSROADS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio: Top 7.4% in tier
- + Net Charge-Off Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.77% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% 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 43 that size in Kansas.
- Shares and deposits +4.3% year over year ($9.8M in shares and deposits).
- Membership: 1,065 members, -0.5% vs a year ago.
- Delinquency rate 6.32%.
- Return on assets 1.61%.
- Efficiency ratio 55.28% vs a 88.77% peer average.
- Loan-to-share ratio 72.28% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,065
-0.5% YoY+1.1% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$12.5M
+5.6% YoY+2.1% QoQ
|
$-17.7M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$7.0M
+3.7% YoY+8.8% QoQ
|
$-8.4M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$9.8M
+4.3% YoY+1.5% QoQ
|
$-16.1M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
1.6%
-36.6% YoY+17.1% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.4%
-5.7% YoY+2.5% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
55.3%
-7.0% YoY-2.8% QoQ
|
-33.5% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
6.3%
+153.6% YoY+51.5% QoQ
|
+4.8 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
72.3%
-0.6% YoY+7.1% QoQ
|
+13.4% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$15,773
+4.5% YoY+3.3% QoQ
|
+$810 |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
24.2%
+6.7% YoY-8.1% QoQ
|
-0.3% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 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)