Cross Valley

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$281.6M

11^th percentile

Members

17,103

14^th percentile

Total loans

$118.6M

1^th percentile

Total shares

$258.7M

16^th percentile

Profitability

Return on assets

1.05%

56^th percentile

Net interest margin

3.03%

25^th percentile

Efficiency ratio

59.78%

47^th percentile

Non-interest income ratio

20.53%

59^th percentile

Capital & Risk

Net worth ratio

8.25%

7^th percentile

Delinquency rate

0.72%

49^th percentile

Net charge-off rate

0.32%

59^th percentile

Loan-to-share

45.84%

3^th percentile

Growth

Member growth YoY

-0.81%

34^th percentile

Asset growth YoY

14.22%

95^th percentile

Loan growth YoY

10.11%

82^th percentile

Share growth YoY

13.00%

95^th percentile

Operations

Members / branch

2,851

14^th percentile

Assets / member

$16,465

53^th percentile

Field of membership penetration

4.60%

52^th percentile

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