TellerScore

Headquartered in Lynchburg, Virginia, Glamorgan Employees Federal Credit Union is a federal credit union with $2.0M in total assets and $1.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1969.

Glamorgan Employees Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 83rd. Capital cushion contributes the most (100/100, 23.00%); earnings contributes the least (0/100, -2.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.00%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 17.09%
Earnings0/100
Return on assets (annualized): -2.91%
Funding & liquidity100/100
Loans ÷ shares: 47.5% · 0.0% uninsured
Problem-loan coverage49/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 25.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (48 → 50), mostly because the problem-loan coverage component improved by 19 points.

TellerScore
485970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202468
Q1 202559
Q2 202548
Q3 202551
Q4 202551
Q1 202650
Q2 202650
Net worth ratio
7.00%19.38%31.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.75%
Q3 202429.78%
Q4 202431.38%
Q1 202530.06%
Q2 202529.58%
Q3 202528.92%
Q4 202524.98%
Q1 202623.63%
Q2 202623.00%
Delinquent loans (60+ days)
3.73%19.09%34.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.73%
Q3 20248.74%
Q4 202412.21%
Q1 202513.86%
Q2 202524.58%
Q3 202534.46%
Q4 202516.06%
Q1 202620.66%
Q2 202617.09%
Return on assets
-21.46%-9.52%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.87%
Q3 20242.42%
Q4 20242.39%
Q1 20250.63%
Q2 2025-1.47%
Q3 20250.00%
Q4 2025-5.48%
Q1 2026-21.46%
Q2 2026-2.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$2.0M23.00%17.09%-2.91%47.5%
Q1 202650$2.1M23.63%20.66%-21.46%39.6%
Q4 202551$2.0M24.98%16.06%-5.48%46.2%
Q3 202551$2.1M28.92%34.46%0.00%52.9%
Q2 202548$2.0M29.58%24.58%-1.47%58.3%
Q1 202559$2.0M30.06%13.86%0.63%66.2%
Q4 202468$1.9M31.38%12.21%2.39%81.7%
Q3 202470$2.0M29.78%8.74%2.42%75.6%
Q2 202470$2.0M31.75%3.73%1.87%80.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.00%
85th
Problem loans17.09%
1st
Net charge-offs-0.04%
91st
Return on assets-2.91%
3rd
Loans to deposits47.5%
68th
Uninsured deposits0.0%
81st
Loan-loss reserves3.36%
94th
Texas ratio25.3%
3rd

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
G E a Employees Federal Credit UnionCredit union Pearisburg, VA92 out of 100, Very strong$2.1M24.1%0.10%vs
Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA84 out of 100, Strong$1.8M13.3%0.57%vs
Planters Federal Credit UnionCredit union Suffolk, VA57 out of 100, Moderate$2.4M21.7%12.10%vs
Inland Motor Employees Federal Credit UnionCredit union Radford, VA70 out of 100, Strong$1.5M30.8%1.58%vs
High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA92 out of 100, Very strong$2.5M14.7%0.00%vs
First Baptist Church of Vienna (Va) Federal Credit UnionCredit union Vienna, VA85 out of 100, Very strong$1.1M14.4%0.00%vs

Deposit insurance

Is my money safe at Glamorgan Employees Federal Credit Union?

Yes. Glamorgan Employees Federal Credit Union is a federally insured credit union (NCUA charter #19416). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Glamorgan Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Glamorgan Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
19416
RSSD ID
5881
Primary regulator
NCUA
Established
1969
Headquarters
P O Box 1392, Lynchburg, VA 24505
Employees
3

Quick answers

Glamorgan Employees Federal Credit Union: common questions

Is Glamorgan Employees Federal Credit Union NCUA insured?

Yes. Glamorgan Employees Federal Credit Union is a federally insured credit union (NCUA charter #19416). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Glamorgan Employees Federal Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Glamorgan Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lynchburg

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Charlotte CountyBank Phenix, VA87 out of 100, Very strong$222.8M12.8%0.33%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs