Federal credit union · Allentown, Pennsylvania · NCUA charter #16746
Lehigh County Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $31.9M
- Total assets
- 1,756
- Members
- 15.6%
- Net-worth ratio
Lehigh County Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.9M; members 1,756; net-worth ratio 15.58%; health rank #2,231 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,231 of 4,374 health · 2025Q4Lehigh County Employees · health 83/100 · $31.9M · 2025Q4
- NCUSIF 83/100
- CAMELS 15.6%
- HEALTH 0.00%
- NW 1.73%
- DELQ $31.9M
- ROA 1,756
- ASSETS #2,231/4,374
- MEM Area Educational
- RANK 16746
Call Report peers
Lehigh County Employees in the assets neighbourhood
Lehigh County Employees's $31.9M assets sit next to Area Educational ($31.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lehigh County Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Lehigh County Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16746, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Lehigh County Employees vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Loan-to-Share Ratio trails the peer set - 36.43% here, 59.80% peer average (-23.37 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lehigh County Employees sits in Pennsylvania
- In Pennsylvania, health place is #111 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Lehigh County Employees is #151 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #173 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Lehigh County Employees's 5300 filing moved
Lehigh County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $31.9M (2025Q4) to $32.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (15.53% → 15.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 8.8 pts
Call Report ratios for Lehigh County Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.58% | +0.72 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.73% | +1.03 pp |
| Member Growth | -2.66% | - |
| Loan-to-Share Ratio | 36.43% | -23.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.6M | - |
| 2025Q4 | $31.9M | 1,756 |
| 2024Q4 | $30.4M | 1,804 |
| 2023Q4 | $29.0M | 1,842 |
Credit Union Details
- Charter Number
- 16746
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Allentown
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Lehigh County Employees runs 2 offices.
| Office | City |
|---|---|
| courthouse (Main Office) | Allentown, PA |
| government center | Allentown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Lehigh County Employees nationwide neighbourhoods
Lehigh County Employees's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Lehigh County Employees ranks #2,231 of 4,374 nationally on financial health and #111 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PAGODA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PAGODA
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Lehigh County Employees financially healthy?
Lehigh County Employees scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,231 of 4,374; by total assets it ranks #2,804 of 4,374 nationally (same basis as /rankings/largest); and #151 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.58% net worth ratio and a 0.00% delinquency rate.
How does Lehigh County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Lehigh County Employees's 83/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lehigh County Employees?
Lehigh County Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Lehigh County Employees directly to confirm current membership steps.
Is my money safe at Lehigh County Employees?
Federal credit unions like Lehigh County Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lehigh County Employees's net worth ratio of 15.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lehigh County Employees offer compared to banks?
Credit unions like Lehigh County Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lehigh County Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.