Side-by-side · Q2 2026 data
First National Bank 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 | First National Bank | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 81 (stronger) |
| Capital cushion | 38 | 71 (stronger) |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 90 (stronger) | 60 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 70th | 68th |
| Total assets | $1.1B | $31.4M |
| Deposits / shares | $1.0B | $27.5M |
| Capital ratio | 8.84% | 12.14% (stronger) |
| Problem loans | 0.19% (stronger) | 0.28% |
| Net charge-offs | 0.07% (stronger) | 0.30% |
| Return on assets | 1.76% (stronger) | 1.00% |
| Loans ÷ deposits | 71.3% | 42.0% (stronger) |
| Uninsured deposits | 32.3% | 1.6% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Lynchburg Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank 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.