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
- + 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
|
30% |
| 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
|
36% |
| 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
|
41% |
| 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
|
35% |
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| 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
|
45% |
| 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
|
75% |
| 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
|
70% |
| 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
|
59% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)