Side-by-side · Q2 2026 data
The St. Henry Bank vs Crossroads Financial Federal Credit Union
Credit union
Crossroads Financial Federal Credit Union
Portland, Indiana · $100 million – $1 billion
Metric by metric
| Measure | The St. Henry Bank | Crossroads Financial Federal Credit Union |
|---|---|---|
| TellerScore | 92 | 100 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 97th | 100th |
| Total assets | $435.6M | $102.4M |
| Deposits / shares | $384.5M | $86.4M |
| Capital ratio | 13.61% | 15.12% (stronger) |
| Problem loans | 0.10% | 0.05% (stronger) |
| Net charge-offs | -0.16% (stronger) | 0.07% |
| Return on assets | 2.57% (stronger) | 2.37% |
| Loans ÷ deposits | 63.6% | 54.4% (stronger) |
| Uninsured deposits | 32.3% | 2.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Crossroads Financial Federal Credit Union has the higher TellerScore (100 vs 92). On the 7 directional measures above (where higher or lower is clearly better), The St. Henry Bank leads on 2 and Crossroads Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.