# CROSSROADS
GOESSEL, KS · NCUA charter 68557 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/crossroads-68557

Who the members are: state charter, organized 1950, low-income designated. 1,053 members of 75,000 potential (1.4% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.3M |
| Members | 1,053 (-1.6% YoY) |
| Full-time staff | 2 |
| Net worth | $2.6M |
| Net worth ratio | 20.8% (p77 of band) |
| ROA (annualized) | 1.38% (p82 of band) |
| Total delinquency | 4.17% (p91 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 67% (p64 of band) |
| Cash / assets | 45.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p65 of band) |
| Operating expense / assets | 2.60% (p21 of band) |
| Vehicles % of loans | 47% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 8.18% (p97 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 60% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 26% |
| Average share balance | $5,360 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,363 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | auto monoline |  |
| 2016-12 | 1 |  | auto monoline |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | net worth falling, losing money, charge-offs p90 |  |
| 2018-06 | 3 | members leaving | net worth falling, charge-offs p90 |
| 2018-09 | 2 |  | losing money |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 2 |  | assets shrinking |
| 2019-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band, members leaving |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 3 | delinquency rising, loan book shrinking |  |
| 2021-03 | 3 | net worth falling | delinquency rising |
| 2021-06 | 3 | delinquency 2x band, delinquency rising | loan book shrinking, net worth falling |
| 2021-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 1 | delinquency 2x band | margin squeeze |
| 2022-03 | 3 | net worth falling, losing money |  |
| 2022-06 | 0 |  | delinquency 2x band, net worth falling, losing money |
| 2022-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising, assets shrinking |  |
| 2023-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 2 | delinquency 2x band |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 3 | margin squeeze |  |
| 2025-06 | 1 |  | delinquency rising, margin squeeze |
| 2025-09 | 2 | margin squeeze |  |
| 2025-12 | 3 | delinquency rising, loan book shrinking | margin squeeze |
| 2026-03 | 3 | margin squeeze | delinquency rising |

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

- 2019-04-03 [Union Station Set To Add Soaring Sculpture To Kansas City's Downtown Skyline - KCUR](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWDh4TFdNVUFZSmxuemMxSnlMMktnS0lxX2N0NXF5OWZBWThpM25NQXFZMGxkNC1JM3JLdnFNdHR6dVNaNGUwTUpGdzZpVHlnVGx0dm9MOXRZQkhpTnR2ZDNlNWszMHBrUkl2WVNfRUVoQlN4NEZjbE42UFVQT2gtb0ZrREpsci00cGhiamZiMDc1aXZpSjVESWd1b1RyVXVYU2xGb3hVNlNwRXhhSU9SS00wSkRIa3B3?oc=5) · KCUR
- 2019-01-29 [Mazuma Credit Union names a new CEO - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQU1FmOFlTcEo3bG9TTmJuSFZmNVdERlNkdk53UlVmMGhtNk5lOFdIZDJGR3BjYlFoYTh1U0F6YlI4TG5XYVV3X20xRGFycUpqMkt5M213U2hwcURmclJTSHYyZS1kOGhpbzJKaFhWYzZNWlZtVF9wa21HU3AyN2Y3eFVzaWEtQXEtazFGYTRVVjc4bVBaSnY4YmVzNA?oc=5) · The Business Journals
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2017-09-03 [Lee W. Patrick, Jr. Obituary Sep 3, 2017 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBFTXJXZmZIQmxhYlg5YXdJbHF2bmI5cWFYYUc5RUZ2aVhweUd1QmJZdG9OVTRaMWkyUlNZX2RvMEpYbnQxcUEyaTRzQ0I5b1ItczY2TXd6bi1JZWRLWFl1dA?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - ZDNET](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · ZDNET
- 2023-06-29 [Loren Edward Tracy III Obituary Jun 1, 2021 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5LTGk4V0dhczRLcWkzamJ3LVd5UWhuZURwd0FDbkV4Q2RjeE52M21pN1VhWFplUldGWjFWcFBpMEF6d0RBbEcwWE1vMzBrVnprdTFIYzVSWkotbXdxUkp0NVFvMFo?oc=5) · Cozine Memorial Group
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2025-05-06 [Jolynn Voth Obituary (2025) - Newton, KS - The Kansan - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNR1VsaHZ4a2lrVkFrVVNjWXNiUldhQXJLVzhIQnJ0Uld5WmxLY1MwbUpTbS1fMlFsY3RoRGw5NHNGY2l2dl9zLTBRZXU1amNTdnU0SlZTeW9DWFpadW1TbnhNU0J2OEhvTGVqNzV6cEZ0SHBDa19fbTBWcmV1MXh4UE5LQUROZ3l1ZDR6Rg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68557 (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/13.json (key "68557", 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=68557
- 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