Side-by-side · Q2 2026 data
Carter Bank & Trust 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 | Carter Bank & Trust | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 67 | 71 (stronger) |
| Loan quality | 66 | 91 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 80th | 68th |
| Total assets | $4.8B | $31.4M |
| Deposits / shares | $4.2B | $27.5M |
| Capital ratio | 11.73% | 12.14% (stronger) |
| Problem loans | 1.01% | 0.28% (stronger) |
| Net charge-offs | -0.82% (stronger) | 0.30% |
| Return on assets | 3.66% (stronger) | 1.00% |
| Loans ÷ deposits | 87.7% | 42.0% (stronger) |
| Uninsured deposits | 17.7% | 1.6% (stronger) |
| Offices | 66 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Lynchburg Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Carter Bank & Trust leads on 2 and Lynchburg Municipal Employees Federal Credit Union on 5. 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.