Crossroads Community Federal Credit Union

Overview / Commentary
3031 William St
Cheektowaga, NY 14227

Crossroads Community Federal Credit Union is headquartered in Cheektowaga and is the 95th largest credit union in the state of New York. It is also the 1,977th largest credit union in the nation. It was established in 1938 and as of September of 2019, it had grown to 12 employees and 6,790 members at 2 locations. Crossroads Community Federal Credit Union's CD rates are 84% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

CrossRoads Community Federal Credit Union is open to anyone who lives, works, goes to school, worships or volunteers in Amherst, Buffalo, Blasdell, Clarence, Cheektowaga, Depew, Elma, East Aurora, Grand Island, Kenmore, Hamburg, Williamsville, West Seneca, Tonawanda, Orchard Park, Lancaster, or Lackawanna in New York. Immediate family are also eligible to join.
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Additional 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. Crossroads Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #2508
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD5.42%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$70.3MM$69.9MM
LoansQ3 2019vs Q3 2018$24.3MM$23.7MM
DepositsQ3 2019vs Q3 2018$61.1MM$61.1MM
Equity CapitalQ3 2019vs Q3 2018$8.9MM$8.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$127.00K$106.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$8.00K$24.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Crossroads Community Federal Credit Union Savings Account Rates

0.55%$50-IRA Savings
0.35%$200-Share Account

Crossroads Community Federal Credit Union Money Market Rates

0.65%*$50k*- Money Market Share Account
OTHER TIERS: 0.45% $2.5k - $10k | 0.55% $10k - $50k

Crossroads Community Federal Credit Union CD Rates

1.76%$1k-60 Month Share Certificate
1.71%$1k-24 Month Share Certificate
1.71%$1k-36 Month Share Certificate
1.71%$1k-48 Month Share Certificate
1.66%$1k-6 Month Share Certificate
1.66%$1k-9 Month Share Certificate
1.66%$1k-12 Month Share Certificate
1.66%$1k-18 Month Share Certificate

Crossroads Community Federal Credit Union IRA Rates

1.76%$1k-60 Month IRA Share Certificate
1.71%$1k-24 Month IRA Share Certificate
1.71%$1k-36 Month IRA Share Certificate
1.71%$1k-48 Month IRA Share Certificate
1.66%$1k-6 Month IRA Share Certificate
1.66%$1k-9 Month IRA Share Certificate
1.66%$1k-12 Month IRA Share Certificate
1.66%$1k-18 Month IRA Share Certificate

Crossroads Community Federal Credit Union Locations
Branch Office3031 William StCheektowaga, NY 14227
Branch Office971 Kenmore AveKenmore, NY 14217

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