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
- CHARTER 68/100
- NCUSIF 16.7%
- CAMELS 1.16%
- HEALTH -0.88%
- NW $27.7M
- DELQ 1,525
- ROA #3,700/4,374
- ASSETS EQT
- MEM 22028
Call Report peers
Vah Lyons Employees in the assets neighbourhood
Vah Lyons Employees's $27.7M assets sit next to EQT ($27.7M) 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.
Vah Lyons Employees 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
68 15th percentile higher than 15% 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
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 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Vah Lyons Employees's 5300 filing moved
Vah Lyons Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $27.7M (2025Q4) to $27.9M (2026Q1).
- Net-worth ratio shifted -0.25 pp (16.94% → 16.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Vah Lyons Employees, both outside New Jersey 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 ($27.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,700 of 4,374; by total assets it ranks #2,916 of 4,374 nationally (same basis as /rankings/largest); and #55 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.69% 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 16.69% 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.
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.