Side-by-side · Q2 2026 data
Wallkill Valley Federal Savings and Loan Association vs Cross County Savings Bank
Bank
Wallkill Valley Federal Savings and Loan Association
Wallkill, New York · $100 million – $1 billion
Metric by metric
| Measure | Wallkill Valley Federal Savings and Loan Association | Cross County Savings Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 56 |
| Capital cushion | 42 | 78 (stronger) |
| Loan quality | 100 (stronger) | 26 |
| Earnings | 47 (stronger) | 38 |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 75 |
| Peer percentile | 37th | 13th |
| Total assets | $485.0M | $525.4M |
| Deposits / shares | $416.7M | $446.5M |
| Capital ratio | 9.17% | 12.84% (stronger) |
| Problem loans | 0.00% (stronger) | 2.21% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.68% (stronger) | 0.46% |
| Loans ÷ deposits | 83.6% (stronger) | 87.8% |
| Uninsured deposits | 20.9% | 16.4% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 4.0% |
Wallkill Valley Federal Savings and Loan Association has the higher TellerScore (68 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Wallkill Valley Federal Savings and Loan Association leads on 5 and Cross County Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.