Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox 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 | The Farmers Bank of Appomattox | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 76 (stronger) | 71 |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 59 | 60 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 64th | 68th |
| Total assets | $374.6M | $31.4M |
| Deposits / shares | $313.6M | $27.5M |
| Capital ratio | 12.58% (stronger) | 12.14% |
| Problem loans | 0.59% | 0.28% (stronger) |
| Net charge-offs | 0.53% | 0.30% (stronger) |
| Return on assets | 0.98% | 1.00% (stronger) |
| Loans ÷ deposits | 82.4% | 42.0% (stronger) |
| Uninsured deposits | 8.9% | 1.6% (stronger) |
| Offices | 6 | 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 76). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox leads on 1 and Lynchburg Municipal Employees Federal Credit Union on 6. 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.