VAH LYONS EMPLOYEES
Charter #22028 · Lyons, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,408 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.64% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.55% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.21% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.79% sits at the 79th percentile of structural peers — worth a closer look.
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 | VAH LYONS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.85M | 56th pct | 54th pct |
| Members | 1,408 | 21th pct | 25th pct |
| Net worth ratio | 16.69% | 70th pct | 62th pct |
| Return on average assets | -0.64% | 9th pct | 3th pct |
| Net interest margin | 2.55% | 7th pct | 13th pct |
| Cost of funds | 1.21% | 67th pct | 79th pct |
| Loan-to-share | 20.56% | 3th pct | 15th pct |
| Delinquency 60+ days | 0.44% | 43th pct | 39th pct |
| Net charge-off ratio | 0.32% | 63th pct | 70th pct |
| Loan growth YoY | -10.39% | 6th pct | 11th pct |
| Share growth YoY | -0.50% | 23th pct | 31th pct |
| Efficiency ratio | 88.79% | 71th pct | 79th pct |
structural peer set hash: cd93506bbd0f8dda5ee555864fa53079… (reproducible)
Closest structural peers
This is the free public view
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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.