Side-by-side · Q2 2026 data
Bank of the James vs Lynchburg Municipal Employees Federal Credit Union
Credit union
Lynchburg Municipal Employees Federal Credit Union
Lynchburg, Virginia · Under $100 million in assets
Metric by metric
| Measure | Bank of the James | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 44 | 71 (stronger) |
| Loan quality | 95 (stronger) | 91 |
| Earnings | 60 | 60 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 53rd | 68th |
| Total assets | $1.0B | $31.4M |
| Deposits / shares | $938.1M | $27.5M |
| Capital ratio | 9.38% | 12.14% (stronger) |
| Problem loans | 0.16% (stronger) | 0.28% |
| Net charge-offs | 0.05% (stronger) | 0.30% |
| Return on assets | 1.01% (stronger) | 1.00% |
| Loans ÷ deposits | 73.7% | 42.0% (stronger) |
| Uninsured deposits | 30.6% | 1.6% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lynchburg Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 3 and Lynchburg Municipal Employees Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.