Crossroads Financial Credit Union

Crossroads Financial Credit Union is headquartered in Portland and is the 66^th largest credit union in the state of Indiana. It is also the 2,677^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 20 employees and 8,483 members. Crossroads Financial Credit Union's CD rates are 11% higher than the national average, and it has a 4-star health rating.

Crossroads Financial Credit Union Savings Account Rates

Crossroads Financial Credit Union Money Market Rates

Crossroads Financial Credit Union CD Rates

Crossroads Financial Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CROSSROADS FINANCIAL NCUA # 7002 BankRate Report View Year Chartered 1950 Employees 20 Primary Regulator Assets and Liabilities Assets $35.93 million Loans $19.59 million Deposits $32.90 million Equity Capital $2.73 million Loan Loss Allowance $227,000 Unbacked Noncurrent Loans $337,000 Historic Data - December 2010 Assets $33.87 million Equity Capital $2.71 million Loan Loss Allowance $187,000 Unbacked Noncurrent Loans $148,000 Profit Margin - Quarterly Net Interest Margin 5.99% Return on Assets -1.08% Return on Equity -14.23% Interest Income $1.50 million Non-Interest Income $119,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Crossroads Financial Credit Union had $337,000 in non-current loans and owned real-estate with $2.95 million in equity and loan loss allowances on hand to cover it. This gives Crossroads Financial Credit Union a Texas Ratio of 11.41% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Crossroads Financial Credit Union increased slightly from 5.11% as of December 31, 2010 to 11.41% as of December 31, 2011, resulting in a negative change of 123.08%. This indicates that the balance sheet and financial strength for Crossroads Financial Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Crossroads Financial Credit Union has increased its total deposits by $2.19 million, resulting in 7.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Crossroads Financial Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Crossroads Financial Credit Union has $35.93 million in assets with $2.95 million in equity, resulting in a capitalization level of 8.22%, which is average.

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