PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Crossroads Financial

Portland, IN · Charter 7002

NCUA · 3 branches

Q2 2026

$102.4MAssets
$47.0MLoans
$86.4MShares
$15.5MNet 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 2.37%, up 20 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.05% of loans (-10 bps YoY).
  • Capital: net worth / assets of 15.12%, up 148 bps from a year ago.
  • Funding: loans stand at 54.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.37%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+17 bps YoY

Efficiency Ratio (YTD, annualized)

54.45%-86 bps YoY

Net Worth / Assets

15.12%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%2.16%2.30%2.09%2.37%+20 bps
Return on Equity15.89%15.24%15.55%14.68%15.65%-24 bps
Net Interest Margin3.99%3.97%4.09%3.94%4.16%+17 bps
Efficiency Ratio55.31%55.64%54.17%56.83%54.45%-86 bps
Growth
Asset Growth (YoY)4.47%8.14%7.30%6.72%6.50%+203 bps
Loan Growth (YoY)8.40%8.48%9.10%7.69%6.33%-207 bps
Share Growth (YoY)3.46%6.72%5.42%4.79%4.54%+107 bps
Asset Quality
Delinquent Loans / Loans0.15%0.06%0.05%0.21%0.05%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.64%14.17%14.77%14.23%15.12%+148 bps
Net Worth / Assets13.64%14.17%14.77%14.23%15.12%+148 bps
Liquidity & Funding
Loans / Shares53.49%55.30%55.77%51.51%54.40%+92 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps