# CROSSPOINT
Hamden, CT · NCUA charter 1309 · asset band $100-200M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/crosspoint-1309

Who the members are: federal charter, community charter, organized 1936, low-income designated. 10,260 members of 750,000 potential (1.4% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $157.8M |
| Members | 10,260 (-0.5% YoY) |
| Full-time staff | 28 |
| Net worth | $17.3M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | 0.51% (p33 of band) |
| Total delinquency | 1.18% (p74 of band) |
| Net charge-offs (annualized) | 0.02% (p6 of band) |
| Loans / shares | 49% (p14 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.87% (p13 of band) |
| Operating expense / assets | 3.64% (p52 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 23% (p48 of band) |
| Vehicle delinquency | 0.56% (p48 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 18% |
| Average share balance | $6,241 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $28,795 |
| Loans granted, annualized | $22.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 3 | members leaving |  |
| 2017-09 | 2 | losing money | delinquency 2x band, members leaving |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 | members leaving | losing money |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency 2x band |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | members leaving |
| 2019-06 | 4 | charge-offs p90, members leaving |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 1 |  | charge-offs p90, members leaving |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | losing money |  |
| 2020-09 | 3 | margin squeeze, members leaving | delinquency 2x band, losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, delinquency 2x band |  |
| 2021-06 | 3 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 3 | charge-offs p90 | net worth falling |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | thin capital |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-15 [CT LIVE: Nutmeg State Financial Credit Union's Merge with Crosspoint - nbcconnecticut.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNUE1nUzJ3Vm9vdVFJWGxpMlUtOWc0WmRPWVRoazYwMFlJbkhMY3N6R1pFNEhrRlVkLTdIZ0ZqcTV5dnBQZzlaYy03MjdRbXVJNEpGeW56LUlDbWt4TUdUOG91SjRGMkYtRUw3bHd0WGthWjRxcHBqVlBnUmFraGE2cldDaTJ4aF9mc0xsMmZLcHR5RF9jNXNsMmRqbG55ejBaVHo4aEZTblBwM1dKQlI5R21qYm9jUzVaZW5oR0ZlZXpkbnM1TDY3S1lxa2lUUW_SAdcBQVVfeXFMUGpzNTNMMjU0UjhRWmM5RmtGT2RiWW5MaUROalFvN1VYVG92RWxxQnlQMXlLSFZoMUFDU3lTR1o1SkYtZF9RbzhENUR6UXJTNmgwVXdaQVZKYmJyWEllOWRCVXVPbzU0aEowd3VRT2xWYnNQT2I2ZFp2SlFEM1I5S2I1Y2NtaU9Id3NDQXQwVzVwdHpJUVFyUnlkdmJybGZTY1ktenprNmYwdmlrREc2STNSUURpM0FDRDZvODVnaDE1YWd4bVlMMjZEMUluZGVUcGpfSTVOcXc?oc=5) · nbcconnecticut.com
- 2026-02-04 [Nutmeg State Financial Credit Union to move Hamden branch after merger - Hartford Business Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxPeU9rbFhCc1AzVktiWDk3bXdSck9Mb05EQXVRRTc3b0JFRzZZMjFLRG0zYUNsQmVwVUNwS0lPSU1tRnU2clBtblNmVm9MT0lqeWpwSnpuNmVCeGhtYmJYRUk2TDhVblIyR2RFM0MtWUxuOFYwcGJSTXdiTzB3cDNkdXVHeWc5ejJnQmFBbzNCbGE0bGpoZlEySXJEc3RDUGg3ZTgwNkxkWVVNX0o2?oc=5) · Hartford Business Journal
- 2025-12-01 [Connecticut credit unions with 65,000 members complete merger - ctinsider.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVptUVVsd3hwanRwbFM2RC00b0pZSnI5N20ySWRnRk5xcXYybjRNYldaUzY4dG9KdW5FRGRpcmE3NHBxZVdTSHdEdjVOODRjMzNvQ3BTcWVueUl4bG1uQlBhakVrOUkyQlFGNnQxZjJ4Z2R1M2VvTVYwajY3NkpxblV4aHpPX1dNQm1hY0VoOE9uS3NIVExtSy1iQTlWalBLdERZSTlodjQ4UQ?oc=5) · ctinsider.com
- 2026-05-05 [Sponsored Content: Nutmeg State Financial Credit Union finalizing merger, opening new Hamden branch - WTNH.com](https://news.google.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?oc=5) · WTNH.com
- 2022-03-16 [Five area students win scholarships from Crosspoint Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxPQ0w4MUdHYW1XXzBsZGlKZE9BT2pmangzSzVVVm5PbE54U2d3aEtJcU9OWmRJRjQ0d3ZDaGNEd2xRM3ZFc2xlVVliWnZnSXc4bU9lTWRLcVQ4d3ZVekt1Q04tck1RckJXTUpUWEhjdHowejZVdE9UbndWOGUzazhaM1JkazVsRlpVRlMyNlloNmd2NHRKeXBaY0tEcC1zZllRekxPMnEwdXBQVVZOWDcxeE5iOA?oc=5) · CUInsight
- 2025-05-12 [Nutmeg State Financial Credit Union and CrossPoint Federal Credit Union take step toward merger - Hartford Business Journal](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcVRCc3liZy1IcWJxVks3QzhUUjdKQ0JNSnB5YU1xM2NBTG5aRk80UmdHNXg2VWxqOVhuQmRmY1BZNDFnejVXTTdUZDhwSk1hcHkxc0lmb0hjWHB1QnpuLVFtZWFMbTFONnA2cmlZVE5fTmc3N0JaU1VPNzBVbFhjOUlhaHlyWGtzZHVGTnJqVkxyZnZjZmlsT19QZElYVmljQ3BGOWFRU3ZvNnlGSlo4eHpNcm1WT2tmcjIzU1VFVGJmSkVK?oc=5) · Hartford Business Journal
- 2025-12-04 [Southern CT State Hosts Annual Friends Of Rudolph Holiday Celebration For New Haven Kids - Patch](https://news.google.com/rss/articles/CBMitgFBVV95cUxNR0JHbVFQcUMxY3ZIaTQ1RFJXeDVwX1kyWTV3X3VTeEg5eWI1aVJpUEYyOVNBWjFZbFhLYjF6bFJKVXBnY0dfVnJ1Y0RDcExJQWozRjF0Q05zd2ZqNnhfb1o0WWFuTUVrTU5fYlk3amVVR2o0Q3l3YmNiQXE4WnNzQzVtSXAwYWxjR1RPSnA4QVhrY2VrUFlreTJ1OFh5c3N4WFFKeUkxb3JZdDU5N29tZ3diTlJNZw?oc=5) · Patch
- 2025-11-25 [Merger set for Dec. 1 to create $850M CT credit union - Hartford Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxOVWNSZ1daXzVOcnpCUzVNN19uZTVzR3JmNmF1UzhQazVUNWJsUmJmQUdEaFZMZlMzaDVDS1BDMUZQdXdSM0RocWFBaXlmalFOb0NUWUZpYm9ndU16d2VRWEF2dXc1TFdqWDlUY3FyWFU3Mi1ad1BiVmlqT0JpY0ZZdS1xT0dHZ1l4cmYwX1FySEdkcTg?oc=5) · Hartford Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1309 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/29.json (key "1309", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1309
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide