Cross Valley Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability. Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 7.9.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Excellent asset quality (8.4). Fair liquidity 4.9, driven by a liquidity ratio of 27.6 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (27%), home mtgs (11%), securities (9%), other (52%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
640 Baltimore Drive
Wilkes-Barre, PA 18702
Wilkes-Barre, PA 18702
Phone Number
(570) 823-6836
NCUA Charter Number
Website
Largest Competitors
Wilkes-Barre, PA
Wilkes-Barre, PA
Wilkes-Barre, PA
Wilkes-Barre, PA
Wilkes-Barre, PA