CROSSROADS FINANCIAL
Charter #7002 · Portland, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.22% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.17% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.08% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.83% ranks in the 5th 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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $104.33M | 4th pct | 16th pct |
| Members | 9,003 | 24th pct | 43th pct |
| Net worth ratio | 14.22% | 81th pct | 80th pct |
| Return on average assets | 2.17% | 97th pct | 97th pct |
| Net interest margin | 4.08% | 75th pct | 87th pct |
| Cost of funds | 0.75% | 28th pct | 36th pct |
| Loan-to-share | 51.51% | 14th pct | 38th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 10th pct |
| Net charge-off ratio | 0.09% | 17th pct | 28th pct |
| Loan growth YoY | 0.76% | 54th pct | 66th pct |
| Share growth YoY | 8.19% | 93th pct | 90th pct |
| Efficiency ratio | 56.83% | 5th pct | 5th pct |
structural peer set hash: 12eccd0c4557abec1a88234af2e690e8… (reproducible)
Closest structural peers
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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.