Sep, 30, 2025 — VAH LYONS EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in LYONS, NJ with 1 branch location and about $28.01 million in total assets. Opened 51 years ago in 1975, VAH LYONS EMPLOYEES FEDERAL CREDIT UNION has about 1,544 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VAH LYONS EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 151 Knollcroft Rd Bldg 5A LYONS, NJ 07939 |
| Phone: | (908) 647-6952 |
| Fax: | (908) 647-1480 |
| Website: | https://www.vahlyonsefcu.org |
| Branches: | 1 branch locations |
| Members: | 1,544 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22028 |
|---|---|
| Membership Type: | Federal, State, Local Government |
| Corporate Credit Union: | No |
| Year Opened: | 1975 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $28,005,061 |
| CEO/Manager: | Mark Malinowski |
| Chairperson: | Lori Falzarano-Rozmerski |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 772,573 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,935,768 |
| Other Loans | 3,474,391 |
| TOTAL LOANS | 5,410,159 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -393,342 |
| Land And Building | 15,624 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 209,634 |
| All Other Assets | 0 |
| TOTAL ASSETS | 28,005,061 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 23,475 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,254 |
| Regular shares | 20,550,102 |
| All Other Shares & Deposits | 3,137,601 |
| TOTAL SHARES & DEPOSITS | 23,695,957 |
| TOTAL LIABILITIES | 23,719,432 |
| Regular Reserve | 0 |
| Other Reserves | -420,904 |
| Undivided Earnings | 4,706,533 |
| TOTAL EQUITY | 4,285,629 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 28,005,061 |
| INCOME & EXPENSE | |
| Loan Income | 328,833 |
| Investment Income | 320,704 |
| Other Income | 17,856 |
| Total Employee Compensation & Benefits | 395,587 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 175,321 |
| Non-operating Income & (Expense) | 9,296 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 221,935 |
| Cost of Funds | 207,135 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -323,289 |
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