BlastPoint's Credit Union Scorecard
CROSSROADS FINANCIAL
Charter #7002 · IN
CROSSROADS FINANCIAL demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.3% in tier
- + Total Deposits: Top 2.0% in tier
- + Total Members: Top 2.3% in tier
- + Total Loans: Top 7.2% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,987
+0.1% YoY+0.1% QoQ
|
+6.4K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 2.3% in tier |
| Assets |
$96.2M
+8.1% YoY+0.1% QoQ
|
+$66.4M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 1.3% in tier |
| Loans |
$45.5M
+8.5% YoY+2.9% QoQ
|
+$29.8M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 7.2% in tier |
| Deposits |
$82.3M
+6.7% YoY-0.4% QoQ
|
+$56.9M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.1% in tier |
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| ROA |
2.2%
+3.2% YoY+0.5% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 6.7% in tier |
| NIM |
4.0%
-2.7% YoY+0.5% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
55.6%
-6.0% YoY+0.6% QoQ
|
-25.8% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.1%
-71.1% YoY-64.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
55.3%
+1.7% YoY+3.4% QoQ
|
-5.9% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$14,224
+7.2% YoY+0.6% QoQ
|
$-403 |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
12.4%
+69.3% YoY+16.1% QoQ
|
-12.1% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% 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)