Side-by-side · Q2 2026 data
Net Federal Credit Union vs Cross Valley Federal Credit Union
Credit union
Cross Valley Federal Credit Union
Wilkes Barre, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Net Federal Credit Union | Cross Valley Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 65 (stronger) |
| Capital cushion | 52 (stronger) | 32 |
| Loan quality | 64 | 77 (stronger) |
| Earnings | 34 | 59 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 26th | 34th |
| Total assets | $354.0M | $300.0M |
| Deposits / shares | $324.3M | $276.7M |
| Capital ratio | 10.23% (stronger) | 8.23% |
| Problem loans | 1.09% | 0.69% (stronger) |
| Net charge-offs | 0.42% | 0.28% (stronger) |
| Return on assets | 0.36% | 0.98% (stronger) |
| Loans ÷ deposits | 64.4% | 48.2% (stronger) |
| Uninsured deposits | 7.9% | 4.1% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
Cross Valley Federal Credit Union has the higher TellerScore (65 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Net Federal Credit Union leads on 1 and Cross Valley Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.