State credit union · Allentown, Pennsylvania · NCUA charter #64606
Lehigh Valley Educators
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $474.0M
- Total assets
- 15,129
- Members
- 15.3%
- Net-worth ratio
Lehigh Valley Educators scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $474.0M; members 15,129; net-worth ratio 15.26%; health rank #2,952 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,952 of 4,374 health · 2025Q4Lehigh Valley Educators · health 78/100 · $474.0M · 2025Q4
- PHOTO 78/100
- BOOK 15.3%
- CHARTER 1.15%
- NCUSIF 0.62%
- CAMELS $474.0M
- HEALTH 15,129
- NW #2,952/4,374
- DELQ MILLBURY
- ROA 64606
Call Report peers
Lehigh Valley Educators in the assets neighbourhood
Lehigh Valley Educators's $474.0M assets sit next to MILLBURY ($475.0M) 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 Valley Educators 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
78 31st percentile higher than 31% 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 Valley Educators - Share Insurance Coverage
Charter #64606's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Lehigh Valley Educators vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +3.15 pp (15.26% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 28.81% here, 72.20% peer average (-43.39 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lehigh Valley Educators in Pennsylvania
- Pennsylvania health ordinal: #176 of 275.
- Pennsylvania assets place: #25 of 275.
- Pennsylvania membership ordinal: #49 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.
Lehigh Valley Educators: 2025Q4 → 2026Q1
Lehigh Valley Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $474.0M (2025Q4) to $483.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.32% → 15.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for Lehigh Valley Educators
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.26% | +3.15 pp |
| Delinquency Rate | 1.15% | +0.26 pp |
| Return on Assets | 0.62% | +0.00 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 28.81% | -43.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Lehigh Valley Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $483.2M | - |
| 2025Q4 | $474.0M | 15,129 |
| 2024Q4 | $438.0M | 15,409 |
| 2023Q4 | $412.2M | 15,501 |
Credit Union Details
- Charter Number
- 64606
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Allentown
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Lehigh Valley Educators runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Allentown, PA |
| Branch Office | Schnecksville, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Lehigh Valley Educators, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($474.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Lehigh Valley Educators ranks #2,952 of 4,374 nationally on financial health and #176 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WIDGET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WIDGET
- 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 Valley Educators financially healthy?
Lehigh Valley Educators has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,952 of 4,374; by total assets it ranks #779 of 4,374 nationally (same basis as /rankings/largest); and #25 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.26% and delinquency rate of 1.15%.
How does Lehigh Valley Educators compare to other credit unions?
On PlainCU's health composite, Lehigh Valley Educators lands at 78/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Valley Educators?
Membership eligibility for Lehigh Valley Educators depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lehigh Valley Educators directly for current membership requirements and application steps.
Is my money safe at Lehigh Valley Educators?
Federal credit unions like Lehigh Valley Educators 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 Valley Educators's net worth ratio of 15.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lehigh Valley Educators offer compared to banks?
Credit unions like Lehigh Valley Educators 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 Valley Educators 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.