Credit union · NCUA insured
CrossRoads Financial Federal Credit Union
A $104.3M credit union headquartered in Portland, IN, with 9,003 members and 3 branches in Indiana. Best rates: CDs 4.07% and savings 1.26% APY.
CrossRoads Financial Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#5 of 10 in Muncie, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CrossRoads Financial Federal Credit Union
- Headquarters
- 1102 W Votaw ST, Portland, IN 47371
- NCUA charter
- 7002
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Adams, Blackford, Delaware, Jay, Randolph, or Wells County in Indiana, or Darke, Mercer, or Van Wert County in Ohio.
Family and household
- Membership is open to individuals who have an immediate family member with an account at CrossRoads.
Cost to join
- A $5 deposit into a savings account is required to secure membership and establish ownership at CrossRoads.
Branches
3 branches in Indiana
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Indiana
3 branches
Portland area · 1
- Main OfficeMain office1102 W Votaw ST, Portland, IN 47371Directions
Muncie area · 1
- Dunkirk18919 N State Road 167N, Dunkirk, IN 47336Directions
Winchester area · 1
- Winchester151 N Middle School RD, Winchester, IN 47394Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.12% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio15.12%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CrossRoads Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.