Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #19228
Cross Valley
Health score 81/100, grade A (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 scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $281.6M; members 17,103; net-worth ratio 8.20%; health rank #2,662 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,662 of 4,374 health · 2025Q4Cross Valley · health 81/100 · $281.6M · 2025Q4
Call Report peers
Cross Valley in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cross Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cross Valley sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Cross Valley diverges from peer averages
- Return on Assets leads the peer set - 0.87% here, 0.62% peer average (+0.24 pp).
- Loan-to-Share Ratio trails the peer set - 45.84% here, 72.20% peer average (-26.36 pp).
Where Cross Valley sits in Pennsylvania
- Pennsylvania health ordinal: #148 of 275.
- Pennsylvania assets place: #35 of 275.
- Pennsylvania membership ordinal: #41 of 275.
- One place up in Pennsylvania, Southwest Communities (#147) ties at 81/100; one place down, Corner Post (#149) scores 80/100, 1 point lower.
Quarter path for Cross Valley
Cross Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $281.6M (2025Q4) to $293.6M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.25% → 8.20%).
8.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Cross Valley gives up 19 points in total. Member Growth costs the most, 7.5 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 25.5 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.20% | -3.91 pp |
| Delinquency Rate | 0.72% | -0.18 pp |
| Return on Assets | 0.87% | +0.24 pp |
| Member Growth | -0.81% | - |
| Loan-to-Share Ratio | 45.84% | -26.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $293.6M | - |
| 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
Branch Locations (6)
Per its most recent NCUA branch filing, Cross Valley runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Wilkes Barre, PA |
| Forty Fort | Forty Fort, PA |
| Mocanaqua Branch | Mocanaqua, PA |
| Mountaintop | Mountain Top, PA |
| Shavertown | Shavertown, PA |
| Spring Street | Wilkes Barre, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Cross Valley ranks #2,662 of 4,374 nationally on financial health and #148 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allegent Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allegent Community
Frequently Asked Questions
Is Cross Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, Cross Valley scores 81/100 (Excellent), with a 8.20% net worth ratio and 0.72% of loans delinquent. It ranks #2,662 of 4,374 nationally on health and #148 of 275 in Pennsylvania.
How does Cross Valley compare to other credit unions?
Cross Valley scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.87% vs 0.62%). Its widest shortfall is loan-to-share ratio (45.84% vs 72.20%).
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?
Cross Valley is a federal credit union; its shares are federally 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 8.20% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.