CROSSROADS FINANCIAL Credit Union Profile

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CROSSROADS FINANCIAL

Charter #7002 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (260) 726-2142

Fax: (260) 726-6846

Founding Date: N/A

Website: http://www.crossroadsfcu.org

Personnel & Operations

President: Auker, Joday

Manager: Gillespie, Donald

FT Employees: 20

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 42

Branches: 3

Hours: Monday through Thursday 8:00 AM - 7:00 PM F

Credit Union Profile Summary

CROSSROADS FINANCIAL is a FCU Credit Union. With a total of 8,975 members [1], this institution manages approximately $96,145,643 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.64% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.40% [1].

Financial Snapshot

Total Assets [1]
$96,145,643

Total economic resources.

Total Loans [1]
$44,218,780

Total value of outstanding loans.

Total Deposits [1]
$82,674,651

Total funds deposited by members.

Members [1]
8,975

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.64%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.24%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
53.49%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
4.47%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
8.40%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.11%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1102 W Votaw ST

Portland, IN, 47371

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by CROSSROADS FINANCIAL (Charter #7002).

Main Office

Main Office Main Office

Type: Corporate Office

1102 W Votaw ST

Portland, IN 47371

Phone: (260) 726-2142

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Dunkirk

Dunkirk

Type: Branch Office

18919 N State Road 167N

Dunkirk, IN 47336-9144

Phone: (765) 768-6554

Services: Member Services, ATM, Drive-Thru

Open in Directions

Portland

Portland Branch

Type: Branch Office

905 N Meridian ST

Portland, IN 47371

Phone: (260) 729-5100

Services: Member Services, ATM, Drive-Thru

Open in Directions

Winchester

Winchester

Type: Branch Office

151 N Middle School RD

Winchester, IN 47394-8102

Phone: (765) 584-7200

Services: Member Services, ATM, Drive-Thru

Open in Directions