Crosspoint Federal Credit Union
105 Sanford St
Hamden, CT 06514
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2023 Overview
General Credit Union Information
Crosspoint is an NCUA insured institution located in Hamden, CT. It was founded in 1936 and has approximately $157.49 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1309 |
| Date Established | 1936 |
| Assets | $157.49 million |
| Loans | $66.08 million |
| Deposits | $140.67 million |
| Capital | $14.90 million |
Field of Membership Restrictions
Deposit Rates - March 25, 2023
Your Current Location: Virginia, VA 20146
We do not yet have rates for Crosspoint
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Loan Rates - March 25, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for Crosspoint
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: Not lender |
Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
6.740 %
|
$0 |
Learn More
More Info |
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Branches
Below are Crosspoint branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
CROSSPOINT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Crosspoint Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Crosspoint. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Crosspoint | U.S. Average |
|---|---|
| 6.45% | 4.63 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of September 30, 2022, Crosspoint had $807,029 in non-current loans and $219,670 in owned assets. To cover these potential losses it had $14,901,350 in net worth and $1,017,130 in loans loss reserves. That gives it a Texas Ratio of 6.45%.
Net Worth
| Crosspoint | U.S. Average |
|---|---|
| 9.46% | 12.52% |
Crosspoint FCU has a net worth of 9.46% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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