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CrossState Credit Union Association's Member Performance
How the 399 credit unions across CrossState Credit Union Association's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: New Jersey, Pennsylvania.
NCUA data through Q1 2026.
CrossState's 399 credit unions serve 5,904,416 members and hold $98.95B in combined assets. The median CrossState credit union earned a 0.63% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among CrossState credit unions was -1.22%, compared with -0.55% nationally. Median one-year asset growth was 1.94%, compared with 2.78% nationally. So far this year, 3 CrossState credit unions have completed a merger. Figures are from the Q1 2026 NCUA Call Report.
CrossState at a glance
CrossState vs. the United States
System totals are the sum of every credit union in CrossState. The share column is CrossState's portion of the national figure.
| Measure | CrossState | United States | CrossState share |
|---|---|---|---|
| Credit unions | 399 | 4,335 | 9.2% |
| Members | 5,904,416 | 147,031,529 | 4.0% |
| Residents (population) | 22,579,602 | 340,110,988 | 6.6% |
| Total assets | $98.95B | $2,507.50B | 3.9% |
| Total loans | $64.67B | $1,744.86B | 3.7% |
| Total shares & deposits | $85.19B | $2,143.21B | 4.0% |
| Total net worth | $11.90B | $282.23B | 4.2% |
| Mergers year-to-date | 3 | 27 | — |
Membership reach. CrossState credit unions report about 26 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large CrossState credit unions serve members in other states, so it overstates true in-state penetration.)
The median CrossState credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median CrossState CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.63% | 0.66% |
| Net worth ratio | 13.39% | 12.44% |
| Loan-to-share ratio | 50.99% | 67.86% |
| Delinquency ratio | 0.73% | 0.63% |
| Net charge-off ratio | 0.30% | 0.33% |
| Cost of funds | 0.80% | 1.05% |
| Member growth (1 yr) | -1.22% | -0.55% |
| Asset growth (1 yr) | 1.94% | 2.78% |
| Loan growth (1 yr) | -0.78% | 0.63% |
| Share growth (1 yr) | 1.15% | 2.36% |
| Net worth growth (1 yr) | 5.23% | 5.57% |
Trends over time
The median CrossState credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.72% · 0.72%
— CrossState ‑‑ U.S.
Net worth ratio 13.48% · 12.46%
— CrossState ‑‑ U.S.
Loan-to-share ratio 53.29% · 69.70%
— CrossState ‑‑ U.S.
Delinquency ratio 0.82% · 0.72%
— CrossState ‑‑ U.S.
Asset growth (1 yr) 2.47% · 3.26%
— CrossState ‑‑ U.S.
Member growth (1 yr) -1.45% · -0.52%
— CrossState ‑‑ U.S.
CrossState leaderboards
Largest by assets
- 1 Police & Fire Credit Union $10.15B
- 2 Pennsylvania State Employees Credit Union $9.62B
- 3 Members 1st Credit Union $8.61B
- 4 Citadel Credit Union $6.77B
- 5 American Heritage Credit Union $5.32B
- 6 Affinity Credit Union $4.40B
- 7 TruMark Financial Credit Union $3.57B
- 8 Franklin Mint Credit Union $2.25B
- 9 Clearview Credit Union $2.17B
- 10 Philadelphia Credit Union $2.01B
Highest return on assets
- 1 Credit Union OF NEW Jersey, A 3.57%
- 2 Mon Valley Community Credit Union 2.54%
- 3 Members 1st Credit Union 2.27%
- 4 St. Marys Area Credit Union 2.24%
- 5 Freedom United Credit Union 2.18%
- 6 Healthcare Employees Credit Union 2.16%
- 7 Altoona Conrail Credit Union 2.14%
- 8 Trenton Nj Police Credit Union 2.08%
- 9 Police & Fire Credit Union 2.01%
- 10 Mercer County NJ Teachers Credit Union 1.99%
Fastest-growing (organic)
- 1 Members 1st of NJ Credit Union 52.68%
- 2 Clarion Onized Credit Union 15.12%
- 3 Cross Valley Credit Union 13.40%
- 4 Service 1st Credit Union 12.95%
- 5 Priority First Credit Union 12.38%
- 6 Patriot Credit Union 11.23%
- 7 Lesco Employees Credit Union 10.50%
- 8 Cacl Credit Union 9.82%
- 9 Grove City Area Credit Union 9.74%
- 10 Wilkes Barre City Employees Credit Union 9.60%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in CrossState's footprint (NJ, PA) that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.