Crossroads Financial
Portland, IN · Charter 7002 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$102.4MAssets
$47.0MLoans
$86.4MShares
$15.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets (rank 40 of 1683).
- Widest gap: net interest margin trails 33% of credit unions under $1B in assets (rank 547 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.37%
Rank 40 of 1,683
Net Interest Margin
4.16%
Rank 547 of 1,683
Efficiency Ratio
54.44%
Rank 111 of 1,682
Equity / Assets
15.12%
Rank 542 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.35% | 0.74% | 1.18% | Beats 98% | 40 / 1,683 | |
| Return on Equity | 15.65% | 2.67% | 5.89% | 8.74% | Beats 98% | 37 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 547 / 1,683 | |
| Efficiency Ratio | 54.44% | 68.91% | 78.20% | 86.93% | Beats 93% | 111 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 186 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.12% | 10.44% | 12.89% | 16.53% | Beats 68% | 542 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.12% | 10.44% | 12.89% | 16.53% | Beats 68% | 542 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 54.40% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,225 / 1,683 | |
| Loans / Assets | 45.92% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,234 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |