Federal credit union · Lynchburg, Virginia · NCUA charter #19416
Glamorgan Employees
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $2.0M
- Total assets
- 305
- Members
- 24.8%
- Net-worth ratio
Glamorgan Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19416: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Glamorgan Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)68
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
24.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.80% | 30% |
| Delinquency Rate | 16.06% | 25% |
| Return on Assets | 2.32% | 15% |
| Member Growth | -14.80% | 15% |
| Loan-to-Share Ratio | 46.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Glamorgan Employees
Charter #19416, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Glamorgan Employees, a federal credit union in Lynchburg, Virginia with 305 members, $2.0M in total assets, and $668K in outstanding loans as of Q4 2025. The five-factor composite scores it 55/100 (Fair), helped by a net worth ratio of 24.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
16.06% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 46.21% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.32% on net income of $45K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -14.80%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Glamorgan Employees financially healthy?
Glamorgan Employees has a financial health score of 55/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 24.80% and delinquency rate of 16.06%.
How does Glamorgan Employees compare to other credit unions?
On PlainCU's health composite, Glamorgan Employees lands at 55/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Glamorgan Employees are 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 24.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Glamorgan Employees offer compared to banks?
Credit unions like Glamorgan Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Glamorgan Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.