Crossroads Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 12.8. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Good liquidity 6.9, driven by a liquidity ratio of 41.6 percent and a “hot money” ratio of 2.3 percent.
Asset Mix:
Consumer loans (12%), home mtgs (12%), securities (10%), other (66%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3031 William Street
Cheektowaga, NY 14227
Cheektowaga, NY 14227
Phone Number
(716) 896-8084
NCUA Charter Number
Website
Largest Competitors
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY