BlastPoint's Credit Union Scorecard
VAH LYONS EMPLOYEES
Charter #22028 · NJ
VAH LYONS EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.24% below tier average
- - Efficiency ratio 40.19% above tier (higher cost structure)
- - Delinquency rate 1.37% above tier average
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,544
+0.3% YoY+2.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$28.0M
-2.5% YoY+2.0% QoQ
|
$-1.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$5.4M
-7.9% YoY-0.8% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$23.7M
-1.9% YoY+1.7% QoQ
|
$-1.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
-1.6%
+72.4% YoY-22.1% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.0% in tier |
| NIM |
2.1%
+12.1% YoY+1.6% QoQ
|
-1.8% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
121.6%
-6.3% YoY+1.1% QoQ
|
+40.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
2.9%
-23.5% YoY+33.3% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 12.6% in tier |
| Loan To Share |
22.8%
-6.1% YoY-2.5% QoQ
|
-38.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$18,851
-3.4% YoY-0.9% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
13.2%
+11.3% YoY+8.8% QoQ
|
-11.2% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)