Federal credit union · Allentown, Pennsylvania · NCUA charter #16746
Lehigh County Employees
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $31.9M
- Total assets
- 1,756
- Members
- 15.5%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)62
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.53% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.73% | 15% |
| Member Growth | -2.66% | 15% |
| Loan-to-Share Ratio | 36.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lehigh County Employees
Headquartered in Allentown, Pennsylvania, Lehigh County Employees is a federal credit union with 1,756 members, $31.9M in total assets, and $9.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 15.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16746 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 36.43% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.73% on net income of $552K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.66%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.53% 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 15.53% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.