BlastPoint's Credit Union Scorecard
CROSSROADS FINANCIAL
Charter #7002 · IN
CROSSROADS FINANCIAL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
- + Net Interest Margin 0.44% above tier average
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 1.4% in tier
- - Total Assets: Bottom 1.7% in tier
- - Total Loans: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.2% in tier
- - Average Member Relationship (AMR): Bottom 8.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +4.5% year over year ($86.4M in shares and deposits).
- Membership: 9,003 members, +0.3% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 2.34%.
- Efficiency ratio 54.45% vs a 76.73% peer average.
- Loan-to-share ratio 54.40% vs a 71.54% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,003
+0.3% YoY0% QoQ
|
-6.2K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$102.4M
+6.5% YoY-1.9% QoQ
|
$-129.6M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.6% in tier |
| Loans |
$47.0M
+6.3% YoY+2.5% QoQ
|
$-99.2M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.1% in tier |
| Deposits |
$86.4M
+4.5% YoY-2.9% QoQ
|
$-114.3M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.3% in tier |
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| ROA |
2.3%
+9.1% YoY+12.3% QoQ
|
+1.5% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 1.4% in tier |
| NIM |
4.1%
+4.1% YoY+4.7% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
54.4%
-1.6% YoY-4.2% QoQ
|
-22.3% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.1%
-66.1% YoY-74.7% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 3.0% in tier |
| Loan To Share |
54.4%
+1.7% YoY+5.6% QoQ
|
-17.1% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$14,822
+4.8% YoY-1.1% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
10.4%
-2.0% YoY+4.3% QoQ
|
-14.1% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 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)