BlastPoint's Credit Union Scorecard

CROSS VALLEY

Charter #19228 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

CROSS VALLEY has 5 strengths but faces 7 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 50.0% in tier
+ ROA 0.42% above tier average
+ Asset Growth Rate: Top 4.0% in tier
+ Deposit Growth Rate: Top 4.2% in tier
+ AMR Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 4.6% in tier
- Loan-to-Share Ratio: Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,094 -0.5% YoY-0.1% QoQ	+1.9K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	67%
Assets	$293.6M +13.4% YoY+4.3% QoQ	+$61.9M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	72%
Loans	$117.6M +10.4% YoY-0.8% QoQ	$-26.5M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	48%
Deposits	$270.9M +13.0% YoY+4.7% QoQ	+$69.8M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	75%

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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	1.1% +119.3% YoY+32.2% QoQ	+0.4%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	78%
NIM	3.3% +13.8% YoY+8.2% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	70.6% -10.2% YoY-4.9% QoQ	-7.4%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.6% +14.1% YoY-13.5% QoQ	-0.2	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	51%
Loan To Share	43.4% -2.3% YoY-5.3% QoQ	-27.0%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 6.5% in tier
AMR	$22,730 +12.8% YoY+3.0% QoQ	$-2K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	49%
CD Concentration	11.2% +48.3% YoY+27.2% QoQ	-13.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	25.1% -22.1% YoY-3.6% QoQ	+11.3%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#73 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 12.78%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (5)

Indirect Auto Dependency

risk

#70 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 13.40%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 25.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#214 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.39%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#531 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#554 of 570 • Bottom 50.0% 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): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 10.39%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.62%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#568 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (8 metrics)

Asset Growth Rate

growth

Value: 13.40%

Peer Median: 3.91%

#44 of 1070 Top 4.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.00%

Peer Median: 3.30%

#46 of 1070 Top 4.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.78%

Peer Median: 3.46%

#58 of 1070 Top 5.3% in 100M-500M tier

131

Share Certificate Concentration (%)

balance_sheet

Value: 11.23%

Peer Median: 23.10%

#131 of 1070 Top 12.1% in 100M-500M tier

165

Loan Growth Rate

growth

Value: 10.39%

Peer Median: 2.93%

#165 of 1070 Top 15.3% in 100M-500M tier

203

Fee Income Per Member

profitability

Value: $218.45

Peer Median: $154.95

#203 of 1070 Top 18.9% in 100M-500M tier

238

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: 0.69%

#238 of 1070 Top 22.1% in 100M-500M tier

266

Total Deposits

balance_sheet

Value: $270.90M

Peer Median: $171.29M

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1022

Net Worth Ratio

risk

Value: 8.20%

Peer Median: 11.45%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1000

Loan-to-Share Ratio

balance_sheet

Value: 43.43%

Peer Median: 71.88%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

871

Members Per Employee (MPE)

engagement

Value: 247.739

Peer Median: 309.176

#871 of 1070 Bottom 18.7% in 100M-500M tier

846

Indirect Auto Concentration (%)

balance_sheet

Value: 25.12%

Peer Median: 6.61%

#846 of 1070 Bottom 21.0% in 100M-500M tier

834

Loan-to-Member Ratio (LMR)

engagement

Value: $6,882

Peer Median: $9,356

#834 of 1070 Bottom 22.1% in 100M-500M tier