BlastPoint's Credit Union Scorecard
VAH LYONS EMPLOYEES
Charter #22028 · NJ
VAH LYONS EMPLOYEES has 2 strengths but faces 5 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 1.83% below tier average
- - Efficiency ratio 30.65% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,525
+1.6% YoY-1.2% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$27.7M
-1.7% YoY-1.1% QoQ
|
$-2.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$5.2M
-9.2% YoY-3.4% QoQ
|
$-10.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$23.3M
-2.1% YoY-1.5% QoQ
|
$-2.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
-1.2%
+40.4% YoY-22.4% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.0% in tier |
| NIM |
2.3%
+22.6% YoY+6.9% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio |
113.2%
-14.8% YoY-6.9% QoQ
|
+30.6% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
1.2%
-78.6% YoY-59.8% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
22.4%
-7.3% YoY-1.9% QoQ
|
-38.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$18,739
-5.0% YoY-0.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
19.2%
+29.7% YoY+44.9% QoQ
|
-5.2% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)