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 1.04% above tier average
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.70% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,055
-1.5% YoY-0.7% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$11.6M
+2.7% YoY-1.4% QoQ
|
$-18.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$6.6M
-11.1% YoY-4.4% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$9.0M
+0.8% YoY-2.1% QoQ
|
$-16.7M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
1.7%
+247.4% YoY+148.4% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Top 12.1% in tier |
| NIM |
4.5%
-10.8% YoY-0.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
60.7%
+22.7% YoY+3.6% QoQ
|
-21.9% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
4.3%
+82.2% YoY+30.5% QoQ
|
+2.7 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 7.9% in tier |
| Loan To Share |
73.5%
-11.8% YoY-2.3% QoQ
|
+12.9% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$14,833
-3.2% YoY-2.5% QoQ
|
+$50 |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
28.9%
+48.9% YoY+15.6% QoQ
|
+4.5% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)