Side-by-side · Q2 2026 data
First Merchants Bank vs Crossroads Financial Federal Credit Union
Credit union
Crossroads Financial Federal Credit Union
Portland, Indiana · $100 million – $1 billion
Metric by metric
| Measure | First Merchants Bank | Crossroads Financial Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 100 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 73 | 98 (stronger) |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 35 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 20th | 100th |
| Total assets | $21.3B | $102.4M |
| Deposits / shares | $16.8B | $86.4M |
| Capital ratio | 9.96% | 15.12% (stronger) |
| Problem loans | 0.82% | 0.05% (stronger) |
| Net charge-offs | 0.19% | 0.07% (stronger) |
| Return on assets | 0.78% | 2.37% (stronger) |
| Loans ÷ deposits | 91.6% | 54.4% (stronger) |
| Uninsured deposits | 45.4% | 2.2% (stronger) |
| Offices | 127 | 3 |
| CFPB complaints (3 yrs) | 86 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 19.8% | — |
Crossroads Financial Federal Credit Union has the higher TellerScore (100 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Merchants Bank leads on 0 and Crossroads Financial Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Portland, IN
- Winchester, IN