Cross Valley Federal Credit Union
Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 8.2. Fair liquidity 4.7, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 5.1 percent.
Asset Mix:
Consumer loans (19%), home mtgs (12%), securities (5%), comm loans (1%), other (62%)
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