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Cross Roads

Kansas City, MO · Charter 61459

NCUA · 1 branch

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cross Roads

Kansas City, MO · Charter 61459

NCUA · 1 branch

Q2 2019

$4.2MAssets
$2.8MLoans
$3.5MShares
$630KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.33%, down 122 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.17% of loans (-33 bps YoY).
  • Capital: net worth / assets of 15.07%, up 40 bps from a year ago.
  • Funding: loans stand at 79.67% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-1.33%-122 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+35 bps YoY

Efficiency Ratio (YTD, annualized)

111.56%+1,222 bps YoY

Net Worth / Assets

15.07%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-0.11%-0.20%-0.15%-0.96%-1.33%-122 bps
Return on Equity-0.77%-1.36%-0.95%-6.28%-8.83%-805 bps
Net Interest Margin3.15%3.16%3.38%3.40%3.50%+35 bps
Efficiency Ratio99.35%97.28%96.19%103.73%111.56%+1,222 bps
Growth
Asset Growth (YoY)2.89%11.33%5.14%-1.08%-7.29%-1,018 bps
Loan Growth (YoY)9.23%6.59%1.77%-3.51%3.50%-574 bps
Share Growth (YoY)3.80%8.20%6.67%-0.63%-5.46%-925 bps
Asset Quality
Delinquent Loans / Loans0.50%0.15%0.07%0.15%0.17%-33 bps
Net Charge-Offs / Loansn/an/an/a0.95%n/an/an/a
Allowance / Loans0.43%0.50%0.51%0.68%0.73%+29 bps
Capital
Risk-Based Capital14.67%14.40%15.31%15.24%15.07%+40 bps
Net Worth / Assets14.67%14.40%15.31%15.24%15.07%+40 bps
Liquidity & Funding
Loans / Shares72.78%73.67%73.64%73.98%79.67%+689 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps