# CROSSROADS FINANCIAL
Portland, IN · NCUA charter 7002 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/crossroads-financial-7002

Who the members are: federal charter, community charter, organized 1950, low-income designated. 9,003 members of 15,000 potential (60.0% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $104.3M |
| Members | 9,003 (0.6% YoY) |
| Full-time staff | 20 |
| Net worth | $14.8M |
| Net worth ratio | 14.2% (p78 of band) |
| ROA (annualized) | 2.09% (p96 of band) |
| Total delinquency | 0.21% (p15 of band) |
| Net charge-offs (annualized) | 0.09% (p21 of band) |
| Loans / shares | 52% (p18 of band) |
| Cash / assets | 47.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p66 of band) |
| Operating expense / assets | 2.86% (p23 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.24% (p26 of band) |
| Vehicle NCO | 0.23% (p32 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 96% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 10% |
| Average share balance | $5,035 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,704 |
| Loans granted, annualized | $17.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | thin capital, net worth falling, delinquency rising |  |
| 2021-06 | 1 |  | thin capital, net worth falling, delinquency rising |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | margin squeeze, delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 0 |  | delinquency rising, members leaving |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2020-01-02 [New year, new leadership at CrossRoads Financial FCU - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV3FFeUhLR1FmLWhTMU1FM2NuU20yb1NZZGxKRmJVUTFaTVhHZ2czRmpLMHU4U29xZVFMMTV0bkx1c0c2THRMZ1R4Qm9kcndvVWVGcW5jQlhwMk1OWmxaajJfV1NVRmlMbWV5MFF6OTRxeGktUlozb2tJMmJPdVU2ejVWZUY0bm1GcHB6TVAyTG9La3RnNExlTXdEekJhQ2tPdWc?oc=5) · American Banker
- 2023-11-20 [Portland Credit Union the Victim of ATM burglary - WZBD](https://news.google.com/rss/articles/CBMikAFBVV95cUxPc20waWFPcG96Ymw3TmZjR29YalRCd1MzaXVqTmVEdGZ2bEJMRGNRZ0Z6RHBfenQ4ODYyQThQbW1RYlZCS3dXT1JzM3BxTzNienhJeE5VeXUzTXJBSTA4d3dDQ0ROQlp5YWFha2c4WU9ySVVaV0Fwa0VJT2JGeTN5SjlYVkt5bjFUanhZaW5WSW8?oc=5) · WZBD
- 2025-11-16 [Linda Kennedy Obituary (2025) - Portland, IN - Williamson, Spencer and Penrod Funeral Homes - Portland Chapel - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTk1YUzJ0RC0tZHpCb0otWDFmRHkyZTBMamZrRHB2MXk4RDFoSGhtNjlXSFIwNVgzYnloSEc1Mlp4RHRRNVdzOVlfNldtUWJsWUxiUzhtdnFMcUpUZngway1KU3o2WWMwMFI1QXM3UEJ5d05NbmptaGc0ZjdHUExZbXFR?oc=5) · legacy.com
- 2026-06-01 [Freedom Debt Relief review 2026 - CNBC](https://news.google.com/rss/articles/CBMiZkFVX3lxTFB0cmN1YVc0UUdKRURRTUplNTFOUUl1VW5jOTRwVVF3c2Y3WFhNLVlFNk9SSHZrdmYydndmdDhiODk4RFhjanBueVF2YXY3TENlTENVZWhmdUdETVd0MXF4amJOYjVYZ9IBa0FVX3lxTFBDNGtFejIxRldJcmZsTzBiM3k3aXB3UTFNTjY3cF8xSkZwdFM2LWZQbEs2LUNUdUFjS1ZNTS13dlIybU8zYXAwd3E5aEtEZ3hRaERfbERBUG1BazQwaVBqSmR2cnRyellFVnNR?oc=5) · CNBC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7002 (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/26.json (key "7002", 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=7002
- 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