Cross Valley Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (11%), securities (5%), other (61%)
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