TellerScore

Headquartered in Lynchburg, Virginia, Lynchburg Municipal Employees Federal Credit Union is a federal credit union with $31.4M in total assets and $27.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1961.

Based on its Q2 2026 filing, Lynchburg Municipal Employees Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 24th. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 2% uninsured), and its lowest is earnings (60/100; 1.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.14%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity100/100
Loans ÷ shares: 42.0% · 1.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.85%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202477
Q1 202576
Q2 202582
Q3 202583
Q4 202579
Q1 202677
Q2 202681
Net worth ratio
7.00%9.57%12.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.22%
Q3 202410.96%
Q4 202411.70%
Q1 202511.50%
Q2 202511.80%
Q3 202511.96%
Q4 202511.94%
Q1 202611.70%
Q2 202612.14%
Delinquent loans (60+ days)
0.11%0.23%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.29%
Q4 20240.33%
Q1 20250.28%
Q2 20250.25%
Q3 20250.11%
Q4 20250.35%
Q1 20260.25%
Q2 20260.28%
Return on assets
0.41%0.84%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.41%
Q4 20240.76%
Q1 20250.68%
Q2 20251.27%
Q3 20251.15%
Q4 20250.97%
Q1 20260.66%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$31.4M12.14%0.28%1.00%42.0%
Q1 202677$31.7M11.70%0.25%0.66%41.6%
Q4 202579$30.7M11.94%0.35%0.97%42.7%
Q3 202583$30.3M11.96%0.11%1.15%42.4%
Q2 202582$30.3M11.80%0.25%1.27%42.6%
Q1 202576$29.9M11.50%0.28%0.68%43.9%
Q4 202477$28.9M11.70%0.33%0.76%45.9%
Q3 202473$29.7M10.96%0.29%0.41%45.0%
Q2 202475$29.0M11.22%0.29%0.59%44.7%

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 ratio12.14%
33rd
Problem loans0.28%
69th
Net charge-offs0.30%
39th
Return on assets1.00%
68th
Loans to deposits42.0%
76th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
68th

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InstitutionScoreAssetsCapitalProblem loansCompare
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs
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Augusta County Federal Credit UnionCredit union Verona, VA76 out of 100, Strong$25.7M26.3%2.72%vs
First Nrv Federal Credit UnionCredit union Radford, VA52 out of 100, Below average$38.7M9.3%2.09%vs
Strategic Federal Credit UnionCredit union Sterling, VA60 out of 100, Moderate$23.1M10.3%1.11%vs
Patent and Trademark Office Federal Credit UnionCredit union Alexandria, VA39 out of 100, Low$40.1M7.1%2.59%vs

Deposit insurance

Is my money safe at Lynchburg Municipal Employees Federal Credit Union?

Yes. Lynchburg Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #14623). 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 1.6% of shares and deposits ($445K) 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 12.14%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lynchburg Municipal Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lynchburg Municipal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
14623
RSSD ID
739382
Primary regulator
NCUA
Established
1961
Headquarters
3176 Fort Ave, Lynchburg, VA 24501
Employees
8

Quick answers

Lynchburg Municipal Employees Federal Credit Union: common questions

Is Lynchburg Municipal Employees Federal Credit Union NCUA insured?

Yes. Lynchburg Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #14623). 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 Lynchburg Municipal Employees Federal Credit Union's TellerScore?

81 out of 100 (Strong), 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 Lynchburg Municipal Employees Federal Credit Union have?

1 office 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
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs