PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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