BlastPoint's Credit Union Scorecard

CROSS VALLEY

Charter #19228 · PA

1069 CUs in 100M-500M nationally 61 in PA

CROSS VALLEY has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 14.8% in tier
+ ROA 0.11% above tier average
+ Asset Growth Rate: Top 4.2% in tier
+ AMR Growth Rate: Top 5.4% in tier
+ Deposit Growth Rate: Top 5.7% in tier
+ Share Certificate Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.5% in tier
- Margin Compression: Bottom 86.1% in tier
- Membership Headwinds: Bottom 91.7% in tier
- Stagnation Risk: Bottom 95.7% in tier
- Net Worth Ratio: Bottom 5.2% in tier
- Loan-to-Share Ratio: Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,103 -0.8% YoY-0.1% QoQ	+1.7K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	66%
Assets	$281.6M +14.2% YoY+4.0% QoQ	+$49.7M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	70%
Loans	$118.6M +10.1% YoY-0.7% QoQ	$-28.8M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	47%
Deposits	$258.7M +13.0% YoY+4.3% QoQ	+$57.9M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -13.1% YoY-13.5% QoQ	+0.1%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	59%
NIM	3.1% +9.5% YoY-0.6% QoQ	-0.5%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	74.3% +2.2% YoY+2.1% QoQ	-2.7%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.7% -4.9% YoY+13.3% QoQ	-0.2	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	51%
Loan To Share	45.8% -2.6% YoY-4.8% QoQ	-26.4%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 7.5% in tier
AMR	$22,058 +13.0% YoY+2.8% QoQ	$-3K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	46%
CD Concentration	8.8% +15.9% YoY+5.3% QoQ	-15.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	26.1% -19.9% YoY-4.1% QoQ	+12.3%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#77 of 513 • Top 14.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.99%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#64 of 506 • Bottom 12.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 14.22%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 26.06%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Margin Compression

decline

#106 of 123 • Bottom 86.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.87%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Membership Headwinds

decline

#508 of 554 • Bottom 91.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#530 of 554 • Bottom 95.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 10.11%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.72%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Asset Growth Rate

growth

Value: 14.22%

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.99%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.00%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.83%

Peer Median: -

#95 of 1069 Top 8.8% in 100M-500M tier

166

Loan Growth Rate

growth

Value: 10.11%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1014

Net Worth Ratio

risk

Value: 8.25%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

989

Loan-to-Share Ratio

balance_sheet

Value: 45.84%

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

874

Members Per Employee (MPE)

engagement

Value: 247.870

Peer Median: -

#874 of 1069 Bottom 18.3% in 100M-500M tier

855

Indirect Auto Concentration (%)

balance_sheet

Value: 26.06%

Peer Median: -

#855 of 1069 Bottom 20.1% in 100M-500M tier

835

Loan-to-Member Ratio (LMR)

engagement

Value: $6,934

Peer Median: -

#835 of 1069 Bottom 22.0% in 100M-500M tier

834

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier