PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Crossroads Community

Cheektowaga, NY · Charter 2508

NCUA · 2 branches

Q2 2026

$96.9MAssets
$21.8MLoans
$82.0MShares
$14.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.53%, down 16 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.18% of loans (+3 bps YoY).
  • Capital: net worth / assets of 15.27%, up 87 bps from a year ago.
  • Funding: loans stand at 26.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.53%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-21 bps YoY

Efficiency Ratio (YTD, annualized)

54.58%+117 bps YoY

Net Worth / Assets

15.27%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.53%1.58%1.69%1.77%1.81%1.48%1.53%-16 bps
Return on Equity11.59%11.01%11.29%11.76%11.96%11.90%9.75%10.05%-172 bps
Net Interest Margin3.17%3.21%3.40%3.46%3.49%3.49%3.28%3.25%-21 bps
Efficiency Ratio58.05%58.70%57.15%53.41%51.51%51.14%56.76%54.58%+117 bps
Growth
Asset Growth (YoY)1.67%3.66%3.01%2.30%3.77%3.51%4.03%5.85%+355 bps
Loan Growth (YoY)-6.53%-7.17%-12.37%-13.39%-5.66%-4.46%-1.21%-0.61%+1,278 bps
Share Growth (YoY)0.22%2.36%1.58%0.97%2.39%1.90%2.56%4.70%+372 bps
Asset Quality
Delinquent Loans / Loans0.16%0.11%0.02%0.16%0.10%0.12%0.28%0.18%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.63%13.88%14.00%14.39%14.77%15.19%15.19%15.27%+87 bps
Net Worth / Assets13.63%13.88%14.00%14.39%14.77%15.19%15.19%15.27%+87 bps
Liquidity & Funding
Loans / Shares32.27%31.31%28.85%28.01%29.73%29.36%27.79%26.59%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps