TellerScore

Cross Valley Federal Credit Union is a federal credit union headquartered in Wilkes Barre, Pennsylvania, in business for about 57 years. At the end of Q2 2026 it reported $300.0M in total assets and $276.7M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Cross Valley Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 200th. Its strongest component is funding & liquidity (100/100; 48% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (32/100; 8.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Net worth ratio: 8.23%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity100/100
Loans ÷ shares: 48.2% · 4.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (67 → 65), mostly because the loan quality component weakened by 6 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202468
Q4 202465
Q1 202563
Q2 202567
Q3 202566
Q4 202564
Q1 202667
Q2 202665
Net worth ratio
7.00%7.73%8.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.12%
Q3 20248.37%
Q4 20248.47%
Q1 20258.19%
Q2 20258.33%
Q3 20258.44%
Q4 20258.25%
Q1 20268.20%
Q2 20268.23%
Delinquent loans (60+ days)
0.52%0.64%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.55%
Q4 20240.75%
Q1 20250.54%
Q2 20250.52%
Q3 20250.63%
Q4 20250.72%
Q1 20260.62%
Q2 20260.69%
Return on assets
0.51%0.83%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.89%
Q3 20241.04%
Q4 20240.99%
Q1 20250.51%
Q2 20250.92%
Q3 20250.99%
Q4 20250.85%
Q1 20261.15%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$300.0M8.23%0.69%0.98%48.2%
Q1 202667$293.6M8.20%0.62%1.15%43.4%
Q4 202564$281.6M8.25%0.72%0.85%45.8%
Q3 202566$270.8M8.44%0.63%0.99%48.1%
Q2 202567$264.8M8.33%0.52%0.92%46.6%
Q1 202563$258.9M8.19%0.54%0.51%44.5%
Q4 202465$246.5M8.47%0.75%0.99%47.0%
Q3 202468$242.9M8.37%0.55%1.04%47.2%
Q2 202465$240.3M8.12%0.57%0.89%47.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.23%
5th
Problem loans0.69%
49th
Net charge-offs0.28%
60th
Return on assets0.98%
65th
Loans to deposits48.2%
91st
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio3.7%
53rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Century Heritage Federal Credit UnionCredit union Pittsburgh, PA72 out of 100, Strong$289.5M11.5%0.75%vs
Allegent Community Federal Credit UnionCredit union Pittsburgh, PA68 out of 100, Moderate$281.2M17.3%1.46%vs
Penn East Federal Credit UnionCredit union Scranton, PA74 out of 100, Strong$280.4M10.6%0.20%vs
Riverfront Federal Credit UnionCredit union Wyomissing, PA60 out of 100, Moderate$320.2M8.5%0.50%vs
Top Tier Federal Credit UnionCredit union Clarion, PA71 out of 100, Strong$277.5M10.0%0.60%vs
Bhcu Credit UnionCredit union Ridley Park, PA70 out of 100, Strong$276.2M11.9%0.67%vs

Deposit insurance

Is my money safe at Cross Valley Federal Credit Union?

Yes. Cross Valley Federal Credit Union is a federally insured credit union (NCUA charter #19228). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.1% of shares and deposits ($11.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.23%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Cross Valley Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cross Valley Federal Credit Union reported 175 home-loan applications under HMDA (LEI 254900L0XOVEOJWGQO95): 160 originated ($18,640,000 total), 12 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cross Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
19228
RSSD ID
166287
Primary regulator
NCUA
Established
1969
Headquarters
640 Baltimore Dr, Wilkes Barre, PA 18702
Employees
68

Quick answers

Cross Valley Federal Credit Union: common questions

Is Cross Valley Federal Credit Union NCUA insured?

Yes. Cross Valley Federal Credit Union is a federally insured credit union (NCUA charter #19228). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cross Valley Federal Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cross Valley Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wilkes Barre

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs