CROSS VALLEY
Charter #19228 · Wilkes Barre, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.20% sits at the 0th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 56th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CROSS VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $293.58M | 73th pct | 69th pct |
| Members | 17,094 | 67th pct | 66th pct |
| Net worth ratio | 8.20% | 5th pct | 0th pct |
| Return on average assets | 1.17% | 78th pct | 74th pct |
| Net interest margin | 3.42% | 35th pct | 56th pct |
| Cost of funds | 1.20% | 49th pct | 52th pct |
| Loan-to-share | 43.43% | 7th pct | 16th pct |
| Delinquency 60+ days | 0.62% | 51th pct | 51th pct |
| Net charge-off ratio | 0.45% | 58th pct | 66th pct |
| Loan growth YoY | -1.47% | 30th pct | 28th pct |
| Share growth YoY | 9.22% | 95th pct | 98th pct |
| Efficiency ratio | 70.64% | 26th pct | 31th pct |
structural peer set hash: 0580e3a278511da828aa9c0618926e9b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.