Vah Lyons Employees
Lyons, NJ · Charter 22028 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$26.6MAssets
$4.9MLoans
$22.4MShares
$4.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets (rank 356 of 1683).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1536 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.15%
Rank 1,524 of 1,683
Net Interest Margin
2.82%
Rank 1,536 of 1,683
Efficiency Ratio
84.52%
Rank 1,166 of 1,682
Equity / Assets
17.57%
Rank 356 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.15% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,524 / 1,683 | |
| Return on Equity | -0.86% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,517 / 1,681 | |
| Net Interest Margin | 2.82% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,536 / 1,683 | |
| Efficiency Ratio | 84.52% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,166 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,244 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 356 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 356 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 21.69% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,644 / 1,683 | |
| Loans / Assets | 18.25% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,643 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |