Overview / Commentary
Cross Roads Credit Union is headquartered in Kansas City and is the 90th largest credit union in the state of Missouri. It is also the 4,685th largest credit union in the nation. It was established in 1928 and as of June of 2019, it had grown to 2 employees and 1,016 members at 1 location. Cross Roads Credit Union has a C+ health rating.
Field of Membership Restrictions
Cross Roads CU is open to the residents and people maintaining employment in Jackson County Missouri as well as the employees of the Union Pacific Railroad, General Mills, and Cargill.
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Health
C+
Data as of Q2 2019
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cross Roads Credit Union has a very low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 61459 |
| Year Chartered | 1928 |
| Employees | 2 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.28% |
| Return on Equity - YTD | -8.57% |
| Annual Interest Income | $75.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $4.2MM$4.5MM |
| Loans | Q2 2019vs Q2 2018 | $2.8MM$2.7MM |
| Deposits | Q2 2019vs Q2 2018 | $3.5MM$3.7MM |
| Equity Capital | Q2 2019vs Q2 2018 | $630.00K$661.00K |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $21.00K$12.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $5.00K$14.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$0 |
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Cross Roads Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | - | - | IRA | |
| 1.00% | - | - | Roth IRA | |
| 0.40% | $200 | $10m | Savings Account | |
| 0.20% | $200 | $10m | Christmas Club Account | |
| 0.20% | - | $2k | Benefit Shares Account |
Cross Roads Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.65% | $1k | - | 2 Year CD | |
| 0.40% | $1k | - | 364 Day CD | |
| 0.35% | $1k | - | 180 Day CD | |
| 0.30% | $1k | - | 90 Day CD |
Cross Roads Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.65% | $1k | - | 2 Year IRA | |
| 0.40% | $1k | - | 364 Day IRA | |
| 0.35% | $1k | - | 180 Day IRA | |
| 0.30% | $1k | - | 90 Day IRA |
Locations
| Cross Roads Credit Union Locations | ||
|---|---|---|
| Branch Office | 4357 N Chouteau Trfy | Kansas City, MO 64117 |