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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.36% | 0.65% | 1.51% | Beats 68% | 6 / 19 | |
| Return on Equity | 11.94% | 3.11% | 5.16% | 9.66% | Beats 95% | 1 / 19 | |
| Net Interest Margin | 3.34% | 2.83% | 3.48% | 3.92% | Beats 42% | 11 / 19 | |
| Efficiency Ratio | 71.29% | 64.52% | 76.38% | 86.65% | Beats 63% | 8 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.69% | 1.18% | 2.86% | Beats 79% | 5 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.23% | 10.19% | 14.85% | 16.23% | Beats 5% | 18 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.23% | 10.19% | 14.85% | 16.23% | Beats 5% | 18 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 48.22% | 35.75% | 48.22% | 63.39% | 47th pctl | 10 / 19 | |
| Loans / Assets | 44.48% | 30.68% | 41.12% | 52.54% | 58th pctl | 8 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |