Highway Crossroads

Sikeston, MO · 2 · Charter #60167 · www.mycrossroadscu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.4M
69th percentile
Members
2,404
75th percentile
Total loans
$17.4M
83th percentile
Total shares
$20.3M
69th percentile

Profitability

Return on assets
1.04%
61th percentile
Net interest margin
4.44%
67th percentile
Efficiency ratio
57.41%
71th percentile
Non-interest income ratio
9.90%
52th percentile

Capital & Risk

Net worth ratio
15.50%
54th percentile
Delinquency rate
4.14%
10th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
85.54%
83th percentile

Growth

Member growth YoY
-0.70%
58th percentile
Asset growth YoY
5.52%
77th percentile
Loan growth YoY
-12.83%
16th percentile
Share growth YoY
5.67%
79th percentile

Operations

Members / branch
2,404
85th percentile
Assets / member
$10,161
57th percentile
Field of membership penetration
16.03%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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