Federal credit union · Lyons, New Jersey · NCUA charter #22028
Vah Lyons Employees
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $27.7M
- Total assets
- 1,525
- Members
- 16.9%
- Net-worth ratio
Vah Lyons Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22028, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Vah Lyons Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)75
- Earnings (ROA)0
- Member growth73
- Liquidity (loan-to-share)53
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.94% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | -0.88% | 15% |
| Member Growth | 1.60% | 15% |
| Loan-to-Share Ratio | 22.39% | 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 | $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
What This Data Says About Vah Lyons Employees
Headquartered in Lyons, New Jersey, Vah Lyons Employees is a federal credit union with 1,525 members, $27.7M in total assets, and $5.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 68/100 (Good), driven in part by a net worth ratio of 16.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22028 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.16% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 22.39% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.88% on net income of $-244313 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 1.60%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 Vah Lyons Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Vah Lyons Employees carries a financial health score of 68/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.94% net worth ratio and a 1.16% delinquency rate.
How does Vah Lyons Employees compare to other credit unions?
On PlainCU's health composite, Vah Lyons Employees lands at 68/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Vah Lyons 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. Vah Lyons Employees's net worth ratio of 16.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vah Lyons Employees offer compared to banks?
Credit unions like Vah Lyons 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 Vah Lyons 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.