Federal credit union · Lyons, New Jersey · NCUA charter #22028
Vah Lyons Employees
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $27.7M
- Total assets
- 1,525
- Members
- 16.7%
- Net-worth ratio
Vah Lyons Employees scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.7M; members 1,525; net-worth ratio 16.69%; health rank #3,700 of 4,374; healthier than 15th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,700 of 4,374 health · 2025Q4Vah Lyons Employees · health 68/100 · $27.7M · 2025Q4
Call Report peers
Vah Lyons Employees in the assets neighbourhood
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Vah Lyons Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Vah Lyons Employees sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Vah Lyons Employees vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 16.69% vs peer 14.86% (+1.83 pp).
- Largest lag: Loan-to-Share Ratio at 22.39% vs peer 59.80% (-37.41 pp).
Vah Lyons Employees: in-state Call Report ranks
- New Jersey health ordinal: #86 of 127.
- Assets rank #55 of 127 inside New Jersey ($27.7M reported).
- New Jersey membership ordinal: #69 of 127.
- One place up in New Jersey, Linden Nj Police & Firemen (#85) ties at 68/100; one place down, Garden State (#87) ties at 68/100.
How Vah Lyons Employees's 5300 filing moved
Vah Lyons Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $27.7M (2025Q4) to $27.9M (2026Q1).
- Net-worth ratio shifted -0.25 pp (16.94% → 16.69%).
At 16.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Vah Lyons Employees gives up 32 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 0.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 8.3 pts
Call Report ratios for Vah Lyons Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.69% | +1.83 pp |
| Delinquency Rate | 1.16% | +0.01 pp |
| Return on Assets | -0.88% | -1.59 pp |
| Member Growth | 1.60% | - |
| Loan-to-Share Ratio | 22.39% | -37.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Vah Lyons Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.9M | - |
| 2025Q4 | $27.7M | 1,525 |
| 2024Q4 | $28.2M | 1,501 |
| 2023Q4 | $28.6M | 1,454 |
Credit Union Details
- Charter Number
- 22028
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Lyons
- Data Quarter
- 2025Q4
Branch Location
Vah Lyons Employees operates a single office in Lyons, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| VAH Lyons Employees FCU (Main Office) | Lyons, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Vah Lyons Employees
Similar total assets
Using this data
- Vah Lyons Employees ranks #3,700 of 4,374 nationally on financial health and #86 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harrison Police & Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harrison Police & Firemen's
Frequently Asked Questions
Is Vah Lyons Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Vah Lyons Employees scores 68/100 (Good), with a 16.69% net worth ratio and 1.16% of loans delinquent. It ranks #3,700 of 4,374 nationally on health and #86 of 127 in New Jersey.
How does Vah Lyons Employees compare to other credit unions?
Vah Lyons Employees scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.69% vs 14.86%). Its widest shortfall is loan-to-share ratio (22.39% vs 59.80%).
How can I join Vah Lyons Employees?
Vah Lyons 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 Vah Lyons Employees directly to confirm current membership steps.
Is my money safe at Vah Lyons Employees?
Vah Lyons Employees is a federal credit union; its shares are federally 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. Vah Lyons Employees's net worth ratio of 16.69% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.