# LEHIGH VALLEY EDUCATORS
Allentown, PA · NCUA charter 64606 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lehigh-valley-educators-64606

Who the members are: state charter, organized 1934. 15,047 members of 125,000 potential (12.0% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $483.2M |
| Members | 15,047 (-1.8% YoY) |
| Full-time staff | 22 |
| Net worth | $73.7M |
| Net worth ratio | 15.3% (p90 of band) |
| ROA (annualized) | 0.92% (p67 of band) |
| Total delinquency | 1.14% (p85 of band) |
| Net charge-offs (annualized) | 0.22% (p32 of band) |
| Loans / shares | 28% (p1 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.20% (p2 of band) |
| Operating expense / assets | 1.52% (p2 of band) |
| Vehicles % of loans | 17% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 1.25% (p83 of band) |
| Vehicle NCO | 0.03% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 15% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 32% |
| Average share balance | $10,902 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,319 |
| Loans granted, annualized | $36.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 2 | delinquency 2x band |  |
| 2018-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band |  |
| 2020-06 | 1 |  | delinquency rising, delinquency 2x band |
| 2020-09 | 2 | margin squeeze, members leaving | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | members leaving, net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | net worth falling, losing money |  |
| 2023-06 | 1 |  | delinquency 2x band, net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency 2x band, delinquency rising | losing money |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | delinquency 2x band, net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-20 [LVECU awards outstanding high school seniors scholarships - Lehigh Valley Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaVZxcVUwY1prX2dOY3lvaWJ1WWNnUG9ZZVlYZUJvMWt4R092aHZ0Rk1TdlQ5ci1tRmhJaWFVbGxkRXdqLV9aSENMWXdiLUNnb2tLZWVPOW9nVU8tUUIxWWhHQWsyc0xpc04tSWFMM1dnb3EyZ0FJQS0zWGV5Y0pKUHZGUFpBcXA4UmxocHNMWFp4M3RmZ1k3QQ?oc=5) · Lehigh Valley Press
- 2023-01-12 [Northern Lehigh receives $10K for food program - Times News Online](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTlBvVlNlZDNYRTE1Ry00X095SUVZTHVjTlhRRldMVm1aRmdqem1fWmRJNk1XdmI3NnZsLXZxc3dmV0p0aEFMR20xUmlaWFJDUmZWQ2U5dmNCVzVld1RBRDBvcUtudDdvTGVsOTV6eGZfaTVtYi15a19QWGxiR2RIOWFQcUlsTUk?oc=5) · Times News Online
- 2025-01-30 [Obituary information for Robert J. Maza - Cantelmi Long Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTFBTV1VhbmZTY3ZFb3VldS1NSHl1WXJyYy1ybzhnOVBDUWE4RWc4aTlFdy1Rc0c0MVRSRVZSRmNQekRXWUhSbG0yZ0U0U1FGYzVoM1BzTUVmOV9uMGtON2FpQ1d1SU1aMHpsWjJhQ0QyY3A3UHl6ZHJKYzlyaEtmTms?oc=5) · Cantelmi Long Funeral Home
- 2024-09-26 [Dennis F. Nemes - The Morning Call](https://news.google.com/rss/articles/CBMiXEFVX3lxTFB1LVAyV0d2M3oyWHZUV0RCSzRSZGh4X0ZHSXVYaUdmWWdxNzVvTUxvQlpxT0RTOUxjbXBWZVl2ZXg2NkZRbE1TYUhTemdyeXZRaUNLVFpTNWNfWWdO?oc=5) · The Morning Call
- 2024-07-09 [LVECU presents scholarships to Lehigh Valley students - Lehigh Valley Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcjZpRzlfUVpZa1YtbTFWTlhRVzZaSks0S1RQRjNjV2RMandkc3BEQjBzem9peXZOMU51Zm5zWUxSd0hGbVd0UVBhVjVNWlJ2N1hBUzlYWTU4NU9mOUgzaFBKd3ZPdUNUVDNrNS11ZFJ4bjRVSWRpc1k0c25KN1M5TmswSlNsQTNidTFoOVQySVlsb0U?oc=5) · Lehigh Valley Press
- 2023-02-22 [Catasauqua school board OKs budgets - Lehigh Valley Press](https://news.google.com/rss/articles/CBMieEFVX3lxTE9pUUlWNzlPZE1kaG1OQXgyZDlZZElndVd6aWc4QjVNRlV1TS1hQU12XzNvWVJJOXpyNndlZ2FyM1BEemd0Ym1fWVVSc3A3Slh3MDVEdUNKdHBXME13aHZhUzRWRGppeU5wTDVzR2xHQnhybklPazlpQQ?oc=5) · Lehigh Valley Press
- 2023-04-26 [Directors learn “What’s So Cool About Manufacturing” - Lehigh Valley Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU0VrcDctSVpXV3BHUm1ZRDUtVTBzOHRMY21PWnNuVmd1Zmp2Z3gyX1dURXZ0N3RlV3lqaE5NMWtKVmVnbTFnV1VPa1dvemc0X0JBbzZtdVpEQ0VyaXNHYjl4TDdKbmFqUWthbGRqbWdaY19BRm5VRGRKLTlEQ2tLQ3FjQzBsV3U3d2xJ?oc=5) · Lehigh Valley Press
- 2024-02-08 [Bond sale agreement available for board review - Lehigh Valley Press](https://news.google.com/rss/articles/CBMihwFBVV95cUxPVTB4RTFDVkp6UmI0Z2Y1T2gyd2gwRERmT0l4LWpvZ2tqVEtHMVc1clAwd1JvTmNsUHdkMHFtMW9SWmxOOE9BTVZEQWtLSHI2elFFTlB6M2FwY3RZOC1jTFJwdXRPbnlLeHlsRlNnNU5TNWdQM0pBOHJhY3FrN05qWGxBN2RWbFE?oc=5) · Lehigh Valley Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64606 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "64606", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64606
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide