Federal credit union · Lynchburg, Virginia · NCUA charter #19416
Glamorgan Employees
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $2.0M
- Total assets
- 305
- Members
- 23.6%
- Net-worth ratio
Glamorgan Employees scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 305; net-worth ratio 23.63%; health rank #4,173 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,173 of 4,374 health · 2025Q4Glamorgan Employees · health 55/100 · $2.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Glamorgan Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Glamorgan Employees sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Glamorgan Employees vs Under $2M peers
- Return on Assets leads the peer set - 2.32% here, 0.22% peer average (+2.09 pp).
- Largest lag: Delinquency Rate at 16.06% vs peer 4.48% (+11.58 pp).
Where Glamorgan Employees sits in Virginia
- In Virginia, health place is #90 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #89 of 95 inside Virginia ($2.0M reported).
- Virginia membership ordinal: #90 of 95.
- One place up in Virginia, Virginia United Methodist (#89) scores 58/100, 3 points higher; one place down, United States Senate (#91) ties at 55/100.
Quarter path for Glamorgan Employees
Glamorgan Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $2.0M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -1.35 pp (24.98% → 23.63%).
23.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Glamorgan Employees gives up 45 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.63% | +0.70 pp |
| Delinquency Rate | 16.06% | +11.58 pp |
| Return on Assets | 2.32% | +2.09 pp |
| Member Growth | -14.80% | - |
| Loan-to-Share Ratio | 46.21% | -6.49 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Glamorgan Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.0M | 305 |
| 2024Q4 | $1.9M | 358 |
| 2023Q4 | $2.0M | 394 |
Credit Union Details
- Charter Number
- 19416
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Virginia
- City
- Lynchburg
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Glamorgan Employees.
| Office | City |
|---|---|
| Glamorgan E F C U (Main Office) | Lynchburg, VA |
| Credit Union | Lynchburg, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- BRUNSWICK COUNTY TEACHERSLawrenceville, VA · Under $2M76Health
- MOUNT PLEASANT BAPTIST CHURCHALEXANDRIA, VA · Under $2M81Health
Glamorgan Employees nationwide neighbourhoods
Similar health score
Using this data
- Glamorgan Employees ranks #4,173 of 4,374 nationally on financial health and #90 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ibew Local Union 80 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ibew Local Union 80
Frequently Asked Questions
Is Glamorgan Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Glamorgan Employees scores 55/100 (Fair), with a 23.63% net worth ratio and 16.06% of loans delinquent. It ranks #4,173 of 4,374 nationally on health and #90 of 95 in Virginia.
How does Glamorgan Employees compare to other credit unions?
Glamorgan Employees scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is return on assets (2.32% vs 0.22%). Its widest shortfall is delinquency rate (16.06% vs 4.48%).
How can I join Glamorgan Employees?
Glamorgan Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Glamorgan Employees directly for the exact boundaries and application steps.
Is my money safe at Glamorgan Employees?
Glamorgan Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Glamorgan Employees's net worth ratio of 23.63% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.