Side-by-side · Q2 2026 data
Cross Valley Federal Credit Union vs First Capital Federal Credit Union
Credit union
Cross Valley Federal Credit Union
Wilkes Barre, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Cross Valley Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 32 | 70 (stronger) |
| Loan quality | 77 | 93 (stronger) |
| Earnings | 59 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 34th | 80th |
| Total assets | $300.0M | $368.5M |
| Deposits / shares | $276.7M | $322.4M |
| Capital ratio | 8.23% | 11.95% (stronger) |
| Problem loans | 0.69% | 0.20% (stronger) |
| Net charge-offs | 0.28% | 0.12% (stronger) |
| Return on assets | 0.98% | 1.07% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 66.6% |
| Uninsured deposits | 4.1% | 3.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cross Valley Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.