No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.3M | $9.6M | $6.5M | $2.6M | $42K | 1.38% | 4.25% | 4.17% | 1,053 |
| Q4 2025 | $11.6M | $9.0M | $6.6M | $2.5M | $195K | 1.68% | 4.58% | 4.26% | 1,055 |
| Q3 2025 | $11.8M | $9.2M | $6.9M | $2.5M | $59K | 0.67% | 4.58% | 3.26% | 1,062 |
| Q2 2025 | $11.9M | $9.3M | $6.8M | $2.5M | $152K | 2.55% | 4.63% | 2.49% | 1,070 |
| Q1 2025 | $11.9M | $9.4M | $7.3M | $2.4M | $73K | 2.45% | 4.79% | 5.38% | 1,070 |
| Q4 2024 | $11.3M | $9.0M | $7.5M | $2.3M | $54K | 0.47% | 5.05% | 2.34% | 1,071 |
| Q3 2024 | $11.1M | $8.8M | $7.5M | $2.2M | $135K | 1.62% | 5.15% | 3.38% | 1,069 |
| Q2 2024 | $11.4M | $9.1M | $7.5M | $2.2M | $75K | 1.32% | 5.09% | 3.28% | 1,076 |
| Ratio | Crossroads Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.5M · commercial $1.5M · consumer $3.2M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 81.5% | 9th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Crossroads Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Crossroads Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Crossroads Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Crossroads Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.