Lyons, New Jersey · Peer group 3
Vah Lyons Employees Credit Union
Vah Lyons Employees Credit Union holds $27.9M in assets across 1,408 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1975. Charter number 22028, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $27.9M |
|---|---|
| Total loans | $4.8M |
| Total shares (deposits) | $23.6M |
| Net worth | $4.6M |
| Members | 1,408 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.4% | |
|---|---|---|
| Loans | -8.8% | around the 23rd percentile of its peer group |
| Deposits | 0.8% | around the 47th percentile of its peer group |
| Members | -8.8% | lower than 93% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 20.6% | lower than 97% of its peer group |
|---|---|---|
| Net worth ratio | 16.7% | around the 70th percentile of its peer group |
| Return on assets | -0.64% | lower than 91% of its peer group |
| Delinquency ratio | 0.44% | around the 43rd percentile of its peer group |
| Cash / assets | 1.7% | lower than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Vah Lyons Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- Nj Gateway Credit Union
Dayton, NJ
$28.0M · 2,368 members
- Harrison Police & Firemen's Credit Union
Harrison, NJ
$27.5M · 1,355 members
- Atlantic Health Employees Credit Union
Summit, NJ
$28.6M · 5,434 members
- Manville Area Credit Union
MANVILLE, NJ
$29.8M · 1,862 members
- First Point Credit Union
HAMILTON, NJ
$25.2M · 1,186 members
- New Brunswick Postal Credit Union
New Brunswick, NJ
$24.5M · 3,084 members
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