TellerScore

Vah Lyons Employees Federal Credit Union (NCUA charter #22028) is based in Lyons, New Jersey. Its Q2 2026 call report shows $26.6M in total assets and $22.4M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Vah Lyons Employees Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 49th. Its strongest component is capital cushion (100/100; 17.57%), and its lowest is earnings (14/100; -0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.57%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.25%
Earnings14/100
Return on assets (annualized): -0.15%
Funding & liquidity100/100
Loans ÷ shares: 21.7% · 14.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (62 → 72), mostly because the loan quality component improved by 30 points.

TellerScore
546576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202454
Q4 202454
Q1 202555
Q2 202562
Q3 202555
Q4 202570
Q1 202676
Q2 202672
Net worth ratio
7.00%12.92%18.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.84%
Q3 202418.36%
Q4 202418.45%
Q1 202518.01%
Q2 202517.71%
Q3 202517.09%
Q4 202516.94%
Q1 202616.69%
Q2 202617.57%
Delinquent loans (60+ days)
0.44%2.93%5.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.73%
Q3 20243.76%
Q4 20245.42%
Q1 20252.90%
Q2 20252.16%
Q3 20252.88%
Q4 20251.16%
Q1 20260.44%
Q2 20261.25%
Return on assets
-3.08%-1.62%-0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.41%
Q3 2024-0.90%
Q4 2024-0.87%
Q1 2025-3.08%
Q2 2025-2.00%
Q3 2025-1.54%
Q4 2025-1.21%
Q1 2026-0.64%
Q2 2026-0.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$26.6M17.57%1.25%-0.15%21.7%
Q1 202676$27.9M16.69%0.44%-0.64%20.6%
Q4 202570$27.7M16.94%1.16%-1.21%22.4%
Q3 202555$28.0M17.09%2.88%-1.54%22.8%
Q2 202562$27.5M17.71%2.16%-2.00%23.4%
Q1 202555$27.5M18.01%2.90%-3.08%22.7%
Q4 202454$28.2M18.45%5.42%-0.87%24.2%
Q3 202454$28.7M18.36%3.76%-0.90%24.3%
Q2 202455$28.5M18.84%4.73%-0.41%24.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.57%
68th
Problem loans1.25%
33rd
Net charge-offs0.28%
40th
Return on assets-0.15%
16th
Loans to deposits21.7%
94th
Uninsured deposits14.6%
3rd
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Harrison Police & Firemen'S Federal Credit UnionCredit union Harrison, NJ81 out of 100, Strong$27.7M15.0%0.92%vs
NJ Gateway Federal Credit UnionCredit union Dayton, NJ74 out of 100, Strong$27.7M10.0%0.01%vs
Atlantic Health Employees Federal Credit UnionCredit union Summit, NJ43 out of 100, Below average$27.9M10.7%4.85%vs
First Point Federal Credit UnionCredit union Hamilton, NJ52 out of 100, Below average$25.0M7.4%0.74%vs
Jersey Central Federal Credit UnionCredit union Cranford, NJ54 out of 100, Below average$24.9M16.8%3.30%vs
New Brunswick Postal Federal Credit UnionCredit union New Brunswick, NJ44 out of 100, Below average$23.9M9.1%1.93%vs

Deposit insurance

Is my money safe at Vah Lyons Employees Federal Credit Union?

Yes. Vah Lyons Employees Federal Credit Union is a federally insured credit union (NCUA charter #22028). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 14.6% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.57%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Vah Lyons Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • Lyons, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Vah Lyons Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
22028
RSSD ID
952789
Primary regulator
NCUA
Established
1975
Headquarters
PO Box 187, Lyons, NJ 07939
Employees
4

Quick answers

Vah Lyons Employees Federal Credit Union: common questions

Is Vah Lyons Employees Federal Credit Union NCUA insured?

Yes. Vah Lyons Employees Federal Credit Union is a federally insured credit union (NCUA charter #22028). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Vah Lyons Employees Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Vah Lyons Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lyons

InstitutionScoreAssetsCapitalProblem loansCompare
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs