BlastPoint's Credit Union Scorecard
CROSSROADS FINANCIAL
Charter #7002 · IN
CROSSROADS FINANCIAL has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.36% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Total Assets: Bottom 3.6% in tier
- - Total Loans: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,003
+0.6% YoY+0.2% QoQ
|
-6.1K |
15,145
-2.5% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$104.3M
+6.7% YoY+7.8% QoQ
|
$-127.4M |
$231.7M
+0.8% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.6% in tier |
| Loans |
$45.9M
+7.7% YoY+0.1% QoQ
|
$-98.3M |
$144.1M
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.6% in tier |
| Deposits |
$89.0M
+4.8% YoY+8.3% QoQ
|
$-112.1M |
$201.1M
+0.4% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.0% in tier |
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| ROA |
2.1%
-1.5% YoY-9.4% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 3.0% in tier |
| NIM |
3.9%
-0.3% YoY-3.9% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
56.8%
-0.4% YoY+4.9% QoQ
|
-21.2% |
78.0%
-1.7% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
0.2%
+311.1% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 13.8% in tier |
| Loan To Share |
51.5%
+2.8% YoY-7.6% QoQ
|
-18.9% |
70.4%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.6% in tier |
| AMR |
$14,986
+5.1% YoY+5.1% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
10.0%
+11.8% YoY-12.9% QoQ
|
-14.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)