Side-by-side · Q2 2026 data
Top Tier 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 | Top Tier Federal Credit Union | Cross Valley Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 50 (stronger) | 32 |
| Loan quality | 80 (stronger) | 77 |
| Earnings | 76 (stronger) | 59 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 54th | 34th |
| Total assets | $277.5M | $300.0M |
| Deposits / shares | $248.7M | $276.7M |
| Capital ratio | 9.97% (stronger) | 8.23% |
| Problem loans | 0.60% (stronger) | 0.69% |
| Net charge-offs | 0.11% (stronger) | 0.28% |
| Return on assets | 1.39% (stronger) | 0.98% |
| Loans ÷ deposits | 80.9% | 48.2% (stronger) |
| Uninsured deposits | 5.5% | 4.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 7.0% |
Top Tier Federal Credit Union has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Top Tier Federal Credit Union leads on 5 and Cross Valley Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.