Crossroads
Goessel, KS · Charter 68557 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$12.5MAssets
$7.0MLoans
$9.8MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets (rank 115 of 1682).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1649 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.59%
Rank 203 of 1,683
Net Interest Margin
4.32%
Rank 421 of 1,683
Efficiency Ratio
55.14%
Rank 115 of 1,682
Equity / Assets
20.81%
Rank 194 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.35% | 0.74% | 1.18% | Beats 88% | 203 / 1,683 | |
| Return on Equity | 7.66% | 2.67% | 5.89% | 8.74% | Beats 67% | 563 / 1,681 | |
| Net Interest Margin | 4.32% | 3.31% | 3.82% | 4.32% | Beats 75% | 421 / 1,683 | |
| Efficiency Ratio | 55.14% | 68.91% | 78.20% | 86.93% | Beats 93% | 115 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.31% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,649 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.81% | 10.44% | 12.89% | 16.53% | Beats 88% | 194 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.81% | 10.44% | 12.89% | 16.53% | Beats 88% | 194 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.29% | 52.61% | 69.38% | 83.50% | 55th pctl | 749 / 1,683 | |
| Loans / Assets | 56.18% | 44.71% | 59.18% | 70.72% | 44th pctl | 949 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |