CROSSROADS
Charter #68557 · GOESSEL, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,053 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 20.78% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.17% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.04% ranks in the 15th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.28M | 10th pct | 16th pct |
| Members | 1,053 | 7th pct | 11th pct |
| Net worth ratio | 20.78% | 88th pct | 85th pct |
| Return on average assets | 1.42% | 83th pct | 79th pct |
| Net interest margin | 4.36% | 73th pct | 52th pct |
| Cost of funds | 0.98% | 57th pct | 41th pct |
| Loan-to-share | 67.46% | 66th pct | 49th pct |
| Delinquency 60+ days | 4.17% | 96th pct | 95th pct |
| Net charge-off ratio | -0.04% | 15th pct | 15th pct |
| Loan growth YoY | -6.58% | 20th pct | 21th pct |
| Share growth YoY | 4.20% | 68th pct | 64th pct |
| Efficiency ratio | 56.88% | 7th pct | 3th pct |
structural peer set hash: 9777aa574da6e46c2dbecb5911b0d6cf… (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.