Vah Lyons Employees

Lyons, NJ · 1 · Charter #22028 · www.vahlyonsefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$27.7M
74th percentile
Members
1,525
53th percentile
Total loans
$5.2M
46th percentile
Total shares
$23.3M
74th percentile

Profitability

Return on assets
-0.33%
10th percentile
Net interest margin
2.29%
7th percentile
Efficiency ratio
79.58%
24th percentile
Non-interest income ratio
3.93%
29th percentile

Capital & Risk

Net worth ratio
16.94%
61th percentile
Delinquency rate
1.16%
37th percentile
Net charge-off rate
4.74%
2th percentile
Loan-to-share
22.39%
7th percentile

Growth

Member growth YoY
1.60%
81th percentile
Asset growth YoY
-1.66%
31th percentile
Loan growth YoY
-9.24%
26th percentile
Share growth YoY
-2.09%
34th percentile

Operations

Members / branch
1,525
65th percentile
Assets / member
$18,166
94th percentile
Field of membership penetration
61.00%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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