TellerScore

Crossroads Financial Federal Credit Union is a federal credit union headquartered in Portland, Indiana, in business for about 76 years. At the end of Q2 2026 it reported $102.4M in total assets and $86.4M in member shares and deposits, with 3 offices.

Crossroads Financial Federal Credit Union has a TellerScore of 100 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 1st. Its five components are fairly even, ranging from 98 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.12%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings100/100
Return on assets (annualized): 2.37%
Funding & liquidity100/100
Loans ÷ shares: 54.4% · 2.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.16%

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

From Q2 2025 to Q2 2026, the score rose 6 points (94 → 100), mostly because the capital cushion component improved by 14 points.

TellerScore
9095100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202492
Q4 202493
Q1 202593
Q2 202594
Q3 202597
Q4 202599
Q1 202696
Q2 2026100
Net worth ratio
7.00%11.06%15.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.07%
Q3 202413.04%
Q4 202413.41%
Q1 202512.88%
Q2 202513.64%
Q3 202514.16%
Q4 202514.77%
Q1 202614.22%
Q2 202615.12%
Delinquent loans (60+ days)
0.04%0.16%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.19%
Q4 20240.29%
Q1 20250.04%
Q2 20250.15%
Q3 20250.06%
Q4 20250.05%
Q1 20260.21%
Q2 20260.05%
Return on assets
2.01%2.19%2.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.01%
Q3 20242.13%
Q4 20242.12%
Q1 20252.04%
Q2 20252.17%
Q3 20252.16%
Q4 20252.30%
Q1 20262.09%
Q2 20262.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 2026100$102.4M15.12%0.05%2.37%54.4%
Q1 202696$104.3M14.22%0.21%2.09%51.5%
Q4 202599$96.8M14.77%0.05%2.30%55.8%
Q3 202597$96.2M14.16%0.06%2.16%55.3%
Q2 202594$96.1M13.64%0.15%2.17%53.5%
Q1 202593$97.8M12.88%0.04%2.04%50.1%
Q4 202493$90.2M13.41%0.29%2.12%53.9%
Q3 202492$89.0M13.04%0.19%2.13%54.4%
Q2 202490$92.0M12.07%0.18%2.01%51.0%

1,341 peers · $100 million – $1 billion

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 ratio15.12%
86th
Problem loans0.05%
98th
Net charge-offs0.07%
89th
Return on assets2.37%
99th
Loans to deposits54.4%
86th
Uninsured deposits2.2%
89th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
98th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Sterling United Federal Credit UnionCredit union Evansville, IN64 out of 100, Moderate$101.6M10.5%0.86%vs
Thrive Federal Credit UnionCredit union Muncie, IN68 out of 100, Moderate$110.0M12.0%1.08%vs
Chiphone Federal Credit UnionCredit union Elkhart, IN87 out of 100, Very strong$111.8M16.4%0.38%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs
Advance Financial Federal Credit UnionCredit union Schererville, IN74 out of 100, Strong$122.9M13.1%0.76%vs
Members Advantage Credit UnionCredit union Michigan City, IN60 out of 100, Moderate$132.2M9.5%1.23%vs

Deposit insurance

Is my money safe at Crossroads Financial Federal Credit Union?

Yes. Crossroads Financial Federal Credit Union is a federally insured credit union (NCUA charter #7002). 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 2.2% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Crossroads Financial Federal Credit Union lists 3 offices in 3 cities. Most locations:

  • Dunkirk, IN (1)
  • Portland, IN (1)
  • Winchester, IN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Crossroads Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
7002
RSSD ID
403580
Primary regulator
NCUA
Established
1950
Headquarters
1102 W Votaw ST, PO Box 806, Portland, IN 47371
Employees
25

Quick answers

Crossroads Financial Federal Credit Union: common questions

Is Crossroads Financial Federal Credit Union NCUA insured?

Yes. Crossroads Financial Federal Credit Union is a federally insured credit union (NCUA charter #7002). 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 Financial Federal Credit Union's TellerScore?

100 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 Financial Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Portland

InstitutionScoreAssetsCapitalProblem loansCompare
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The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Mercer Savings BankBank Celina, OH78 out of 100, Strong$176.2M13.2%0.08%vs