Side-by-side · Q2 2026 data
First Nrv Federal Credit Union vs Lynchburg Municipal Employees Federal Credit Union
Credit union
First Nrv Federal Credit Union
Radford, Virginia · Under $100 million in assets
Credit union
Lynchburg Municipal Employees Federal Credit Union
Lynchburg, Virginia · Under $100 million in assets
Metric by metric
| Measure | First Nrv Federal Credit Union | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 81 (stronger) |
| Capital cushion | 43 | 71 (stronger) |
| Loan quality | 30 | 91 (stronger) |
| Earnings | 46 | 60 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 11th | 68th |
| Total assets | $38.7M | $31.4M |
| Deposits / shares | $35.0M | $27.5M |
| Capital ratio | 9.27% | 12.14% (stronger) |
| Problem loans | 2.09% | 0.28% (stronger) |
| Net charge-offs | 1.26% | 0.30% (stronger) |
| Return on assets | 0.64% | 1.00% (stronger) |
| Loans ÷ deposits | 62.3% | 42.0% (stronger) |
| Uninsured deposits | 1.3% (stronger) | 1.6% |
| Offices | 1 | 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 52). On the 7 directional measures above (where higher or lower is clearly better), First Nrv Federal Credit Union leads on 1 and Lynchburg Municipal Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.