# CROSS VALLEY
Wilkes Barre, PA · NCUA charter 19228 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cross-valley-19228

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 17,094 members of 372,235 potential (4.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $293.6M |
| Members | 17,094 (-0.5% YoY) |
| Full-time staff | 56 |
| Net worth | $24.1M |
| Net worth ratio | 8.2% (p4 of band) |
| ROA (annualized) | 1.15% (p79 of band) |
| Total delinquency | 0.62% (p52 of band) |
| Net charge-offs (annualized) | 0.45% (p55 of band) |
| Loans / shares | 43% (p2 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.35% (p35 of band) |
| Operating expense / assets | 3.26% (p33 of band) |
| Vehicles % of loans | 38% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 127% (p65 of band) |
| Vehicle delinquency | 0.17% (p13 of band) |
| Vehicle NCO | 0.70% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 11% |
| Average share balance | $7,681 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.7M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,550 |
| Loans granted, annualized | $37.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.7M outstanding purchased (36.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 13.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, capital below 7%, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  | 3rd-party paper>100% NW |
| 2016-09 | 5 |  |  |
| 2016-12 | 3 |  | capital below 7% |
| 2017-03 | 6 | capital below 7%, members leaving |  |
| 2017-06 | 3 |  | delinquency 2x band, capital below 7% |
| 2017-09 | 4 | 3rd-party paper>100% NW |  |
| 2017-12 | 3 |  | members leaving |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 2 |  | thin capital |
| 2020-03 | 4 | thin capital, loan book shrinking |  |
| 2020-06 | 5 | net worth falling, delinquency rising | members leaving |
| 2020-09 | 4 | margin squeeze, members leaving | loan book shrinking, net worth falling, delinquency rising |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 | members leaving | margin squeeze, net worth falling |
| 2021-09 | 4 | delinquency 2x band, delinquency rising | members leaving |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 4 | net worth falling, members leaving | delinquency rising |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | members leaving, delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | net worth falling, members leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-05 [Credit union to open shipping container branch at Church Hill Mall - The Standard-Speaker](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNmNYa19QREhlTUlTZ1B0RDZvU0Q4MmdGTTlZUDM5T0MtbnBYbkdRTkZVRGt4UGdoU2F5NzFDMy10Q3JobG9rQy1TTVNqdmY4SmNEVVczWjZiNThKZXFlTG9wb3hIMEZ3RFpDWjYyRVBGV1JRU0ZkTUpCRzVfUlNFYUZfbWY4aXdpUUJrR0JlWmMxbUNmWlRUT0hSTzB5TWNSak5FUXpzR0FxZEN1S1Aw?oc=5) · The Standard-Speaker
- 2025-12-08 [Cross Valley Federal Credit Union President and CEO appointed to new role with National Credit Union Coalition for America’s Heroes - Times Leader](https://news.google.com/rss/articles/CBMigAJBVV95cUxPd0lwdXF3QndHSmFVNWxNa1RXT3dKQzRTYUszUFZvS2lySnlNZUttME9JV2t0RDB0M3RqUjE0MVpSZFlBLUpqUEdnb0czVjlFd2p6aVBfVFlWMmdFdWNORmJobF9CZkxESDZHbFgtUV9sdFl3eXEzNzVrbERwaWNCc3M3Y3lTR0xNZTg1SkU3QndvSWl4ODd5Y09qQUV0eVNmOFNMRk4tYnRCeFluZXJSX2xlZTItNzRJeklRelBTeTFvU01RTmdYX1Rja2x0QjBLWmNBVllrS3ZpYnh1WnRkaV95RXRWYkJ2TUVwZVl4LVBlR3dDWktDZG1vbDF5d0Jw?oc=5) · Times Leader
- 2025-12-16 [Luzerne County woman loses thousands in online scam | Action 16 Investigates - WNEP](https://news.google.com/rss/articles/CBMivAJBVV95cUxPQWNtelJUMW1za1Q4TzdvLVBxbTBzc3BKbi02MVdNVWdtd1ZSb1cwMGVHdjFjTHp3TGJkNWpnZGM1ZVE2Nnk3UmFQdTZNYUJhU3Fmb1NjeHlMR1M0LWRVRm0tN2R2eGc5WEdEUHYya2FYdi1rM2NSUkxuX0NXRGNpNHNUXzViNmtDd3BJYVFfUFNBazdnOE9nRmEzM0YxT0FmWjFGMFpaU05WbHlDSGlsLUpxc3A4YURCdTlVNk1ocm1ialY4RGdyOVBCcWt6ZDBYQUUzTlNLTVhCb3pfdnRoUUlNZUZBcU9ITnh1ZjlfZk9oNmVPUXVzWlRKQ0lSRDdFby14ZGdtMkhraDgzTFU1cXpLTHRlblk5b252akNScDZuSDBRT2dkS2RwZ3BROUJETFZZYk1UWFZFTmZ1?oc=5) · WNEP
- 2024-10-28 [Russell W. Geisinger - The Citizens' Voice](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZGc2UVYwanJYU3JZV2dQb1MwNTFlSHRSOUEtQ0lnS0FVRlBXb2Vfb3BLbnJuaTJZdUVlVHFvMEp2cy1ycUl1TjR3UEFjQnhkd1QzUjd6dDY2U0VUN2JteUNYR0NuQjE3Z3NncUNlYlh3a29saEk5ZWgzbk96QWtNTEkwTQ?oc=5) · The Citizens' Voice
- 2026-08-01 [Cross Valley CEO an advocate for veterans - Times Leader](https://news.google.com/rss/articles/CBMijwFBVV95cUxOT0lQWVM3N2FHVUVPRFJVM1h5a0lReWJJdmktWTdlVF9xYzFYRFRKa0Q0VU1XUFRrcUV3bGdNUFhRZUxEaE80YmE0aEY5MjNSMGRJZHZWSWVfZ0FSby1JZ1BjaFlIajlyanNBLXhibGlMLWFDdDBSWEhMZUR1LXI1TFRpNFEtUmVqY3hZV3ctMA?oc=5) · Times Leader
- 2024-05-10 [Francis Corrigan Obituary (2024) - Wilkes-Barre, PA - Times Leader - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMGYxQUh0SjBzdGlUQnFuT01mUjVGN1UxX2QzTzctU2ZZbjdMWDZUR1I3cGFENGozTk5YT0RlR09xYnUyX0VESnJoR0xPQ2ltRWhfMVdJNnVMdEdtWXVHT1FFUHFEYmd1SHc5dFRycWNPdUZXb3V1ZGVIZFhZakprWW1TdjhfYWluVDMwelFYbmxmUFpwNnc?oc=5) · Legacy obituary
- 2024-05-09 [Francis Corrigan Obituary (2024) - Wilkes-Barre, PA - Citizens Voice - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOMHZyWDdDbTVWTFVSRWVPcEV1eFpUb0VXN3hvVk5iQl9oeUNJbm5XYmViOEVsVmV5WjYxcFNKTlkweHd0V2tZWnJ2dkQxd1d1VHNoWFFYQUlqSVQ5UDdlWjF2eHBhTVA4Sm5oSHBSSGUxdkI3Q2NNR0VGaUs3TFB5VXdlVUc4QmM3TjFmTHdHWm12TElndjhBMw?oc=5) · Legacy obituary
- 2015-03-30 [American Heart Association to host Heart Walks in Scranton, Wilkes-Barre - Times Leader](https://news.google.com/rss/articles/CBMirgFBVV95cUxORWNmZHQ1Yjd4bFkxeFlTTkFMMXNEWmZNc3didXJiTzJxcEVMWnhqWlhuRVZiWm45eVgwRjVzeXRnY2M2eEJFcGxrR0JYNjJZQ1NGZmFWQ0JXSlBiUkwyU004WEF5WmZfUkM0aEFNemwwd0VYOC1JQllkUGdTMzdCcnpULVBrdzg5bm03S00wbkNlN1NwVWV6UnI0VV9RRWFEc0RKVU56ek0wQ21JWVE?oc=5) · Times Leader

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19228 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "19228", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19228
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide