TellerScore

Headquartered in Cheektowaga, New York, Crossroads Community Federal Credit Union is a federal credit union with $96.9M in total assets and $82.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1938.

Crossroads Community Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 7th. Capital cushion contributes the most (100/100, 15.27%); earnings contributes the least (81/100, 1.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.27%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity100/100
Loans ÷ shares: 26.6% · 3.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 95).

TellerScore
879297Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202491
Q4 202492
Q1 202593
Q2 202594
Q3 202597
Q4 202597
Q1 202693
Q2 202695
Net worth ratio
7.00%11.13%15.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.08%
Q3 202413.62%
Q4 202413.88%
Q1 202514.00%
Q2 202514.39%
Q3 202514.76%
Q4 202515.19%
Q1 202615.19%
Q2 202615.27%
Delinquent loans (60+ days)
0.02%0.16%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.16%
Q4 20240.11%
Q1 20250.02%
Q2 20250.16%
Q3 20250.10%
Q4 20250.12%
Q1 20260.28%
Q2 20260.18%
Return on assets
1.45%1.63%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.45%
Q3 20241.58%
Q4 20241.53%
Q1 20251.58%
Q2 20251.69%
Q3 20251.77%
Q4 20251.81%
Q1 20261.48%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$96.9M15.27%0.18%1.53%26.6%
Q1 202693$94.8M15.19%0.28%1.48%27.8%
Q4 202597$92.5M15.19%0.12%1.81%29.4%
Q3 202597$92.3M14.76%0.10%1.77%29.7%
Q2 202594$91.6M14.39%0.16%1.69%28.0%
Q1 202593$91.2M14.00%0.02%1.58%28.9%
Q4 202492$89.4M13.88%0.11%1.53%31.3%
Q3 202491$88.9M13.62%0.16%1.58%32.3%
Q2 202487$89.5M13.08%0.29%1.45%32.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.27%
56th
Problem loans0.18%
74th
Net charge-offs0.42%
31st
Return on assets1.53%
86th
Loans to deposits26.6%
92nd
Uninsured deposits3.7%
30th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
St. Pius X Church Federal Credit UnionCredit union Rochester, NY45 out of 100, Below average$97.5M9.9%2.54%vs
Lufthansa Emp. Federal Credit UnionCredit union Westbury, NY83 out of 100, Strong$95.2M17.4%0.36%vs
Western New York Federal Credit UnionCredit union West Seneca, NY79 out of 100, Strong$92.6M11.5%0.33%vs
Good Neighbors Federal Credit UnionCredit union Depew, NY30 out of 100, Low$91.7M7.6%2.85%vs
Eastern Operating Engineers Federal Credit UnionCredit union Whitestone, NY60 out of 100, Moderate$88.6M9.8%0.32%vs
Adirondack Regional Federal Credit UnionCredit union Tupper Lake, NY48 out of 100, Below average$88.3M9.5%2.14%vs

Deposit insurance

Is my money safe at Crossroads Community Federal Credit Union?

Yes. Crossroads Community Federal Credit Union is a federally insured credit union (NCUA charter #2508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.7% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Crossroads Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Crossroads Community Federal Credit Union reported 27 home-loan applications under HMDA (LEI 254900FT9OP3VNCXMZ53): 19 originated ($1,255,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Crossroads Community Federal Credit Union
Type
Federal credit union
NCUA charter #
2508
RSSD ID
759670
Primary regulator
NCUA
Established
1938
Headquarters
3031 William Street, Cheektowaga, NY 14227
Employees
13

Quick answers

Crossroads Community Federal Credit Union: common questions

Is Crossroads Community Federal Credit Union NCUA insured?

Yes. Crossroads Community Federal Credit Union is a federally insured credit union (NCUA charter #2508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Crossroads Community Federal Credit Union's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Crossroads Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs