Crossroads Financial

Portland, IN · 1 · Charter #7002 · www.crossroadsfcu.org
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
$96.8M
44th percentile
Members
8,982
61th percentile
Total loans
$45.8M
35th percentile
Total shares
$82.2M
44th percentile

Profitability

Return on assets
2.41%
97th percentile
Net interest margin
4.09%
74th percentile
Efficiency ratio
47.64%
86th percentile
Non-interest income ratio
19.54%
62th percentile

Capital & Risk

Net worth ratio
14.77%
75th percentile
Delinquency rate
0.05%
97th percentile
Net charge-off rate
0.07%
89th percentile
Loan-to-share
55.77%
29th percentile

Growth

Member growth YoY
0.25%
62th percentile
Asset growth YoY
7.30%
77th percentile
Loan growth YoY
9.10%
84th percentile
Share growth YoY
5.42%
67th percentile

Operations

Members / branch
2,994
47th percentile
Assets / member
$10,775
19th percentile
Field of membership penetration
59.88%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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