Cross Valley Federal Credit Union
Major Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 8.3. Fair liquidity 4.7, driven by a liquidity ratio of 22.7 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (20%), home mtgs (12%), securities (6%), comm loans (1%), 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