Crossroads Community

CHEEKTOWAGA, NY · 1 · Charter #2508 · www.crcfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$92.5M
40th percentile
Members
5,235
27th percentile
Total loans
$23.0M
7th percentile
Total shares
$78.3M
40th percentile

Profitability

Return on assets
1.84%
89th percentile
Net interest margin
3.49%
40th percentile
Efficiency ratio
40.42%
94th percentile
Non-interest income ratio
5.83%
5th percentile

Capital & Risk

Net worth ratio
15.19%
78th percentile
Delinquency rate
0.12%
92th percentile
Net charge-off rate
0.18%
70th percentile
Loan-to-share
29.36%
3th percentile

Growth

Member growth YoY
-3.87%
18th percentile
Asset growth YoY
3.51%
47th percentile
Loan growth YoY
-4.46%
20th percentile
Share growth YoY
1.90%
37th percentile

Operations

Members / branch
2,618
39th percentile
Assets / member
$17,670
74th percentile
Field of membership penetration
0.69%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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