Crossroads Community
Cheektowaga, NY · Charter 2508 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
$96.9MAssets
$21.8MLoans
$82.0MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 7 of 60).
- Widest gap: net interest margin trails 67% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 40 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.53%
Rank 9 of 60
Net Interest Margin
3.25%
Rank 40 of 60
Efficiency Ratio
54.59%
Rank 7 of 60
Equity / Assets
15.27%
Rank 21 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.35% | 0.84% | 1.37% | Beats 85% | 9 / 60 | |
| Return on Equity | 10.04% | 2.76% | 6.36% | 10.04% | Beats 75% | 15 / 60 | |
| Net Interest Margin | 3.25% | 3.02% | 3.63% | 4.05% | Beats 33% | 40 / 60 | |
| Efficiency Ratio | 54.59% | 67.68% | 77.48% | 89.33% | Beats 90% | 7 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.32% | 0.64% | 1.44% | Beats 85% | 10 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 10.72% | 13.16% | 17.68% | Beats 65% | 21 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.27% | 10.72% | 13.16% | 17.68% | Beats 65% | 21 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 26.59% | 43.79% | 55.03% | 72.55% | 7th pctl | 56 / 60 | |
| Loans / Assets | 22.49% | 36.50% | 47.22% | 58.67% | 8th pctl | 55 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |