Federal credit union · Portland, Indiana · NCUA charter #7002
Crossroads Financial
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $96.8M
- Total assets
- 8,982
- Members
- 14.4%
- Net-worth ratio
Crossroads Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7002: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Crossroads Financial - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)79
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.35% | 30% |
| Delinquency Rate | 0.05% | 25% |
| Return on Assets | 1.98% | 15% |
| Member Growth | 0.25% | 15% |
| Loan-to-Share Ratio | 55.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $96.8M | 8,982 |
| 2024Q4 | $90.2M | 8,960 |
| 2023Q4 | $87.8M | 9,229 |
Credit Union Details
- Charter Number
- 7002
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Portland
- Data Quarter
- 2025Q4
What This Data Says About Crossroads Financial
Charter #7002, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Crossroads Financial, a federal credit union in Portland, Indiana with 8,982 members, $96.8M in total assets, and $45.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 91/100 (Excellent), helped by a net worth ratio of 14.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.05% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 55.77% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.98% on net income of $1.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.25%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Crossroads Financial financially healthy?
A 14.35% net worth ratio and a 0.05% delinquency rate feed into Crossroads Financial's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Crossroads Financial compare to other credit unions?
Five weighted metrics from NCUA filings produce Crossroads Financial's 91/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Financial?
Crossroads Financial 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 Financial directly for the exact boundaries and application steps.
Is my money safe at Crossroads Financial?
Federal credit unions like Crossroads Financial 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 Financial's net worth ratio of 14.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Crossroads Financial offer compared to banks?
Credit unions like Crossroads Financial 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 Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.