State credit union · GOESSEL, Kansas · NCUA charter #68557
CROSSROADS
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $11.6M
- Total assets
- 1,055
- Members
- 20.8%
- Net-worth ratio
CROSSROADS scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,055; net-worth ratio 20.78%; health rank #3,805 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,805 of 4,374 health · 2025Q4CROSSROADS · health 66/100 · $11.6M · 2025Q4
Call Report peers
CROSSROADS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CROSSROADS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CROSSROADS sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CROSSROADS diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 73.48% here, 59.80% peer average (+13.68 pp).
- Delinquency Rate trails the peer set - 4.26% here, 1.15% peer average (+3.11 pp).
Where CROSSROADS sits in Kansas
- Kansas health ordinal: #52 of 61.
- By total assets, CROSSROADS is #44 of 61 in Kansas.
- Kansas membership ordinal: #45 of 61.
- One place up in Kansas, Sunflower Community (#51) scores 67/100, 1 point higher; one place down, Mid Plains (#53) ties at 66/100.
How CROSSROADS's 5300 filing moved
CROSSROADS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $11.6M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted -0.80 pp (21.58% → 20.78%).
This credit union's 20.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
CROSSROADS gives up 34 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 14.4 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for CROSSROADS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.78% | +5.92 pp |
| Delinquency Rate | 4.26% | +3.11 pp |
| Return on Assets | 0.46% | -0.24 pp |
| Member Growth | -1.49% | - |
| Loan-to-Share Ratio | 73.48% | +13.68 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.3M | - |
| 2025Q4 | $11.6M | 1,055 |
| 2024Q4 | $11.3M | 1,071 |
| 2023Q4 | $11.6M | 1,060 |
Credit Union Details
- Charter Number
- 68557
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- GOESSEL
- Data Quarter
- 2025Q4
Branch Location
CROSSROADS operates a single office in goessel, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| primary (Main Office) | goessel, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
CROSSROADS nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- CROSSROADS ranks #3,805 of 4,374 nationally on financial health and #52 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Topeka Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Topeka Firemen's
Frequently Asked Questions
Is CROSSROADS financially healthy?
CROSSROADS has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,805 of 4,374 nationally on health and #52 of 61 in Kansas. Its net worth ratio is 20.78% and its delinquency rate 4.26%.
How does CROSSROADS compare to other credit unions?
CROSSROADS scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.48% vs 59.80%). Its widest shortfall is delinquency rate (4.26% vs 1.15%).
How can I join CROSSROADS?
Membership eligibility for CROSSROADS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CROSSROADS directly for current membership requirements and application steps.
Is my money safe at CROSSROADS?
CROSSROADS is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CROSSROADS's net worth ratio of 20.78% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.