Federal credit union · Lynchburg, Virginia · NCUA charter #14623
Lynchburg Municipal Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $30.7M
- Total assets
- 2,929
- Members
- 11.7%
- Net-worth ratio
Lynchburg Municipal Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.7M; members 2,929; net-worth ratio 11.70%; health rank #1,277 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,277 of 4,374 health · 2025Q4Lynchburg Municipal · health 89/100 · $30.7M · 2025Q4
- ROA 89/100
- ASSETS 11.7%
- MEM 0.35%
- RANK 0.72%
- PHOTO $30.7M
- BOOK 2,929
- CHARTER #1,277/4,374
- NCUSIF Port Conneaut
- CAMELS 14623
Call Report peers
Lynchburg Municipal Employees in the assets neighbourhood
Lynchburg Municipal Employees's $30.7M assets sit next to Port Conneaut ($30.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lynchburg Municipal 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
89 Top 31% higher than 69% 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
Lynchburg Municipal Employees - Share Insurance Coverage
Charter #14623's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Lynchburg Municipal Employees diverges from peer averages
- Delinquency Rate leads the peer set - 0.35% here, 1.15% peer average (-0.79 pp).
- Largest lag: Loan-to-Share Ratio at 42.72% vs peer 59.80% (-17.08 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lynchburg Municipal Employees sits in Virginia
- In Virginia, health place is #19 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #65 of 95 inside Virginia ($30.7M reported).
- Membership ranks #63 of 95 among Virginia CUs with a reported count (2,929 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lynchburg Municipal Employees: 2025Q4 → 2026Q1
Lynchburg Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $30.7M (2025Q4) to $31.7M (2026Q1).
- Net-worth ratio shifted -0.24 pp (11.94% → 11.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for Lynchburg Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.70% | -3.16 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | 0.72% | +0.01 pp |
| Member Growth | -0.14% | - |
| Loan-to-Share Ratio | 42.72% | -17.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Lynchburg Municipal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.7M | - |
| 2025Q4 | $30.7M | 2,929 |
| 2024Q4 | $28.9M | 2,933 |
| 2023Q4 | $28.8M | 3,001 |
Credit Union Details
- Charter Number
- 14623
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- Lynchburg
- Data Quarter
- 2025Q4
Branch Location
Lynchburg Municipal Employees operates a single office in Lynchburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 3176 Fort Ave (Main Office) | Lynchburg, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
- NORFOLK FIRE DEPARTMENTNorfolk, VA · $10M–$50M85Health
- AUGUSTA COUNTYVERONA, VA · $10M–$50M83Health
- STRATEGICSterling, VA · $10M–$50M83Health
- FIRST NRVRadford, VA · $10M–$50M61Health
Compare Lynchburg Municipal Employees vs PFD FIREFIGHTERS CREDIT UNION INC.
Cross-state Call Report peers for Lynchburg Municipal
Cross-state asset and health neighbours for Lynchburg Municipal Employees - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Lynchburg Municipal Employees ranks #1,277 of 4,374 nationally on financial health and #19 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pfd Firefighters Credit Union Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pfd Firefighters Credit Union Inc.
- 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 Lynchburg Municipal Employees financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Lynchburg Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,277 of 4,374; by total assets it ranks #2,832 of 4,374 nationally (same basis as /rankings/largest); and #65 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.70% net worth ratio and 0.35% delinquency rate are the key drivers.
How does Lynchburg Municipal Employees compare to other credit unions?
On PlainCU's health composite, Lynchburg Municipal Employees lands at 89/100, compared to a peer group average for $10M–$50M 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 Lynchburg Municipal Employees?
Lynchburg Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Lynchburg Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Lynchburg Municipal Employees?
Federal credit unions like Lynchburg Municipal 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. Lynchburg Municipal Employees's net worth ratio of 11.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lynchburg Municipal Employees offer compared to banks?
Credit unions like Lynchburg Municipal 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 Lynchburg Municipal 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.