Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #19228
Cross Valley
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $281.6M
- Total assets
- 17,103
- Members
- 8.2%
- Net-worth ratio
Cross Valley - Share Insurance Coverage
Charter #19228's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Cross Valley - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth50
- Liquidity (loan-to-share)68
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.24% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 0.87% | 15% |
| Member Growth | -0.81% | 15% |
| Loan-to-Share Ratio | 45.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $281.6M | 17,103 |
| 2024Q4 | $246.5M | 17,243 |
| 2023Q4 | $230.0M | 17,703 |
Credit Union Details
- Charter Number
- 19228
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Wilkes Barre
- Data Quarter
- 2025Q4
What This Data Says About Cross Valley
Headquartered in Wilkes Barre, Pennsylvania, Cross Valley is a federal credit union with 17,103 members, $281.6M in total assets, and $118.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 81/100 (Excellent), driven in part by a net worth ratio of 8.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #19228 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.72% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 45.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.87% on net income of $2.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.81%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cross Valley financially healthy?
Cross Valley scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.24% net worth ratio and a 0.72% delinquency rate.
How does Cross Valley compare to other credit unions?
PlainCU's health composite puts Cross Valley at 81/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cross Valley?
Cross Valley serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Cross Valley directly for the current list of qualifying groups.
Is my money safe at Cross Valley?
Federal credit unions like Cross Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cross Valley's net worth ratio of 8.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cross Valley offer compared to banks?
Credit unions like Cross Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cross Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.