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
												
											
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													Wilkes-Barre, PA
												
											
													Wilkes-Barre, PA
												
											
													Wilkes-Barre, PA