CROSS VALLEY Credit Union Profile

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CROSS VALLEY

Charter #19228 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 548-2849

Fax: (570) 208-4592

Founding Date: N/A

Website: http://www.crossvalleyfcu.org

Personnel & Operations

President: Shields, Richard

Manager: Donahue, Traci

FT Employees: 55

PT Employees: 13

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 6

Hours: Monday - Thursday 8:30am - 4:30pm, Friday 8

Credit Union Profile Summary

CROSS VALLEY is a FCU Credit Union. With a total of 17,122 members ^[1], this institution manages approximately $264,751,081 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.33% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.00% ^[1].

Financial Snapshot

Total Assets ^[1]

$264,751,081

Total economic resources.

Total Loans ^[1]

$113,425,087

Total value of outstanding loans.

Total Deposits ^[1]

$243,660,228

Total funds deposited by members.

Members ^[1]

17,122

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

8.33%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.95%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

46.55%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.17%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 7.00%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -0.99%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

640 Baltimore Dr

Wilkes Barre, PA, 18702-7943

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

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