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
- MEM 55/100
- RANK 23.6%
- PHOTO 16.06%
- BOOK 2.32%
- CHARTER $2.0M
- NCUSIF 305
- CAMELS #4,173/4,374
- HEALTH n/a
- NW 19416
Call Report peers
Glamorgan Employees carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Glamorgan Employees
Glamorgan Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $2.0M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -1.35 pp (24.98% → 23.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Glamorgan Employees's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,173 of 4,374; by total assets it ranks #4,137 of 4,374 nationally (same basis as /rankings/largest); and #89 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 23.63% 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 23.63% 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.
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.