LEHIGH COUNTY EMPLOYEES
Charter #16746 · Allentown, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.61% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.16% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 38th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LEHIGH COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.61M | 67th pct | 38th pct |
| Members | 1,734 | 34th pct | 38th pct |
| Net worth ratio | 15.58% | 63th pct | 62th pct |
| Return on average assets | 1.61% | 88th pct | 93th pct |
| Net interest margin | 2.77% | 11th pct | 28th pct |
| Cost of funds | 1.32% | 72th pct | 62th pct |
| Loan-to-share | 37.48% | 18th pct | 21th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | 4.83% | 92th pct | 89th pct |
| Share growth YoY | 4.69% | 72th pct | 69th pct |
| Efficiency ratio | 50.16% | 3th pct | 8th pct |
structural peer set hash: 15db39189af00fcda8feab899f3b9986… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.