CROSSROADS COMMUNITY
Charter #2508 · CHEEKTOWAGA, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.19% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.50% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.12% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.28% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.21% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CROSSROADS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.84M | 93th pct | 77th pct |
| Members | 5,191 | 54th pct | 64th pct |
| Net worth ratio | 15.19% | 71th pct | 77th pct |
| Return on average assets | 1.50% | 85th pct | 79th pct |
| Net interest margin | 3.32% | 30th pct | 43th pct |
| Cost of funds | 1.12% | 62th pct | 75th pct |
| Loan-to-share | 27.79% | 4th pct | 13th pct |
| Delinquency 60+ days | 0.28% | 27th pct | 23th pct |
| Net charge-off ratio | -0.21% | 2th pct | 2th pct |
| Loan growth YoY | -4.46% | 23th pct | 39th pct |
| Share growth YoY | 2.20% | 42th pct | 48th pct |
| Efficiency ratio | 56.76% | 8th pct | 10th pct |
structural peer set hash: ca7c7b119edb6374d74f35b4897edd10… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.