State credit union · Allentown, Pennsylvania · NCUA charter #64606
Lehigh Valley Educators
Health score 78/100 (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 - 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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth38
- Liquidity (loan-to-share)57
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.32% | 30% |
| Delinquency Rate | 1.15% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | -1.82% | 15% |
| Loan-to-Share Ratio | 28.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lehigh Valley Educators
Charter #64606, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Lehigh Valley Educators, a state credit union in Allentown, Pennsylvania with 15,129 members, $474.0M in total assets, and $118.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 15.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 28.81% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.15% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.62% on net income of $3.0M 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 -1.82%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.32% 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 15.32% 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.
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.