Federal credit union · CHEEKTOWAGA, New York · NCUA charter #2508
Crossroads Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $92.5M
- Total assets
- 5,235
- Members
- 15.2%
- Net-worth ratio
Crossroads Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.5M; members 5,235; net-worth ratio 15.19%; health rank #2,557 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,557 of 4,374 health · 2025Q4Crossroads Community · health 81/100 · $92.5M · 2025Q4
- MEM 81/100
- RANK 15.2%
- PHOTO 0.12%
- BOOK 1.48%
- CHARTER $92.5M
- NCUSIF 5,235
- CAMELS #2,557/4,374
- HEALTH Washington County Teachers
- NW 2508
Call Report peers
Crossroads Community in the assets neighbourhood
Crossroads Community's $92.5M assets sit next to Washington County Teachers ($92.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Crossroads Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Crossroads Community - Share Insurance Coverage
Charter #2508's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Crossroads Community vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 15.19% vs peer 13.62% (+1.57 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -33.24 pp (29.36% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Crossroads Community sits in New York
- Health composite ranks #143 of 272 among scored New York credit unions.
- New York assets place: #95 of 272.
- Member book place in New York: #108 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Crossroads Community's 5300 filing moved
Crossroads Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $92.5M (2025Q4) to $94.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (15.19% → 15.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 9.0 pts
Crossroads Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.19% | +1.57 pp |
| Delinquency Rate | 0.12% | -0.84 pp |
| Return on Assets | 1.48% | +0.82 pp |
| Member Growth | -3.87% | - |
| Loan-to-Share Ratio | 29.36% | -33.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.8M | - |
| 2025Q4 | $92.5M | 5,235 |
| 2024Q4 | $89.4M | 5,446 |
| 2023Q4 | $86.2M | 5,677 |
Credit Union Details
- Charter Number
- 2508
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- CHEEKTOWAGA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Crossroads Community, spread across 2 cities.
| Office | City |
|---|---|
| Main - 3031 William Street (Main Office) | Cheektowaga, NY |
| Radius FCU | Kenmore, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near Crossroads Community
Two NCUA Call Report peer sets for Crossroads Community, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Crossroads Community ranks #2,557 of 4,374 nationally on financial health and #143 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Good Neighbors is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Good Neighbors
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Crossroads Community financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Crossroads Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,557 of 4,374; by total assets it ranks #1,895 of 4,374 nationally (same basis as /rankings/largest); and #95 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.19% net worth ratio and 0.12% delinquency rate are the key drivers.
How does Crossroads Community compare to other credit unions?
On PlainCU's health composite, Crossroads Community lands at 81/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Crossroads Community?
Crossroads Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Crossroads Community directly for the exact boundaries and application steps.
Is my money safe at Crossroads Community?
Federal credit unions like Crossroads Community are 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 Community's net worth ratio of 15.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Crossroads Community offer compared to banks?
Credit unions like Crossroads Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Crossroads Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.