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Cross Valley

Wilkes Barre, PA · Charter 19228

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

5

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cross Valley

Wilkes Barre, PA · Charter 19228

NCUA · 6 branches

Q2 2026

$300.0MAssets
$133.4MLoans
$276.7MShares
$24.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.98%, up 6 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.69% of loans (+17 bps YoY).
  • Capital: net worth / assets of 8.23%, down 11 bps from a year ago.
  • Funding: loans stand at 48.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+31 bps YoY

Efficiency Ratio (YTD, annualized)

71.30%-186 bps YoY

Net Worth / Assets

8.23%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.99%0.85%1.15%0.98%+6 bps
Return on Equity11.06%11.76%10.31%13.99%11.94%+88 bps
Net Interest Margin3.03%3.08%3.03%3.35%3.34%+31 bps
Efficiency Ratio73.16%72.79%74.29%70.64%71.30%-186 bps
Growth
Asset Growth (YoY)10.17%11.45%14.22%13.40%13.31%+314 bps
Loan Growth (YoY)7.00%12.51%10.11%10.39%17.63%+1,063 bps
Share Growth (YoY)8.69%10.33%13.00%13.00%13.54%+486 bps
Asset Quality
Delinquent Loans / Loans0.52%0.63%0.72%0.62%0.69%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.33%8.44%8.25%8.20%8.23%-11 bps
Net Worth / Assets8.33%8.44%8.25%8.20%8.23%-11 bps
Liquidity & Funding
Loans / Shares46.55%48.14%45.84%43.43%48.22%+167 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cross Valley

Wilkes Barre, PA · Charter 19228 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)

NCUA · 6 branches

Q2 2026

$300.0MAssets
$133.4MLoans
$276.7MShares
$24.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 1 of 19).
  • Widest gap: equity / assets trails 95% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 18 of 19).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.98%

Rank 6 of 19

Net Interest Margin

3.34%

Rank 11 of 19

Efficiency Ratio

71.29%

Rank 8 of 19

Equity / Assets

8.23%

Rank 18 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.36%0.65%1.51%Beats 68%6 / 19
Return on Equity11.94%3.11%5.16%9.66%Beats 95%1 / 19
Net Interest Margin3.34%2.83%3.48%3.92%Beats 42%11 / 19
Efficiency Ratio71.29%64.52%76.38%86.65%Beats 63%8 / 19
Asset Quality
Nonperforming Loans / Loans0.69%0.69%1.18%2.86%Beats 79%5 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.23%10.19%14.85%16.23%Beats 5%18 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.23%10.19%14.85%16.23%Beats 5%18 / 19
Liquidity & Funding
Loans / Deposits48.22%35.75%48.22%63.39%47th pctl10 / 19
Loans / Assets44.48%30.68%41.12%52.54%58th pctl8 / 19
Brokered Deposits / Depositsn/aNot reported for this institution