BlastPoint's Credit Union Scorecard
CROSS VALLEY
Charter #19228 · PA
CROSS VALLEY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.13% above tier average
- + Deposit Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Loan Growth Rate: Top 4.4% in tier
- + AMR Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Net Worth Ratio: Bottom 4.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +13.5% year over year ($277M in shares and deposits).
- Membership: 17,305 members, +1.1% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.99%.
- Efficiency ratio 71.30% vs a 76.73% peer average.
- Loan-to-share ratio 48.22% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,305
+1.1% YoY+1.2% QoQ
|
+2.1K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$300.0M
+13.3% YoY+2.2% QoQ
|
+$68.0M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$133.4M
+17.6% YoY+13.4% QoQ
|
$-12.8M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$276.7M
+13.5% YoY+2.1% QoQ
|
+$76.0M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
76% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+6.5% YoY-13.5% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.4%
+10.2% YoY+0.9% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
71.3%
-2.5% YoY+0.9% QoQ
|
-5.4% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.7%
+33.4% YoY+11.8% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
48.2%
+3.6% YoY+11.0% QoQ
|
-23.3% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.1% in tier |
| AMR |
$23,697
+13.6% YoY+4.3% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
12.6%
+60.8% YoY+11.8% QoQ
|
-12.0% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
25.6%
-13.4% YoY+2.0% QoQ
|
+12.0% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)