LEHIGH VALLEY EDUCATORS
Charter #64606 · Allentown, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,047 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.22% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.06% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.70% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 72nd — a 33-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 VALLEY EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $483.24M | 98th pct | 93th pct |
| Members | 15,047 | 59th pct | 80th pct |
| Net worth ratio | 15.26% | 87th pct | 67th pct |
| Return on average assets | 0.93% | 65th pct | 70th pct |
| Net interest margin | 2.22% | 2th pct | 0th pct |
| Cost of funds | 2.06% | 90th pct | 97th pct |
| Loan-to-share | 28.04% | 1th pct | 21th pct |
| Delinquency 60+ days | 1.14% | 81th pct | 70th pct |
| Net charge-off ratio | 0.22% | 34th pct | 36th pct |
| Loan growth YoY | -0.70% | 39th pct | 72th pct |
| Share growth YoY | 4.61% | 66th pct | 79th pct |
| Efficiency ratio | 59.70% | 8th pct | 8th pct |
structural peer set hash: 0a1f34a1d3bd0b1353b0e1000b7a6655… (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.