BlastPoint's Credit Union Scorecard
VAH LYONS EMPLOYEES
Charter #22028 · NJ
VAH LYONS EMPLOYEES faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Member decline: -8.9% YoY
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Member Growth Rate: Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -4.0% year over year ($22.4M in shares and deposits).
- Membership: 1,378 members, -8.9% vs a year ago.
- Delinquency rate 1.25%.
- Return on assets 0.15%.
- Efficiency ratio 84.53% vs a 88.77% peer average.
- Loan-to-share ratio 21.69% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,378
-8.9% YoY-2.1% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$26.6M
-3.1% YoY-4.5% QoQ
|
$-3.7M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$4.9M
-11.0% YoY+0.1% QoQ
|
$-10.6M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$22.4M
-4.0% YoY-5.1% QoQ
|
$-3.4M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
0.1%
-107.3% YoY-122.6% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.1% in tier |
| NIM |
2.8%
+31.7% YoY+8.5% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
84.5%
-29.7% YoY-4.8% QoQ
|
-4.2% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
1.2%
-42.3% YoY+186.2% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
21.7%
-7.3% YoY+5.5% QoQ
|
-37.2% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.9% in tier |
| AMR |
$19,762
+3.9% YoY-2.1% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
22.0%
+80.6% YoY+26.9% QoQ
|
-2.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)