Side-by-side · Q2 2026 data
United 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 | United Bank | Lynchburg Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 66 | 71 (stronger) |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 82 (stronger) | 60 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 87th | 68th |
| Total assets | $33.6B | $31.4M |
| Deposits / shares | $27.3B | $27.5M |
| Capital ratio | 11.60% | 12.14% (stronger) |
| Problem loans | 0.44% | 0.28% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.30% |
| Return on assets | 1.56% (stronger) | 1.00% |
| Loans ÷ deposits | 90.5% | 42.0% (stronger) |
| Uninsured deposits | 38.3% | 1.6% (stronger) |
| Offices | 232 | 1 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 3.5 | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
Lynchburg Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank 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.