Lynchburg Municipal Employees
Lynchburg, VA · Charter 14623 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$31.4MAssets
$11.6MLoans
$27.5MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets (rank 447 of 1683).
- Widest gap: efficiency ratio trails 62% of credit unions under $1B in assets (rank 1043 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 591 of 1,683
Net Interest Margin
4.28%
Rank 447 of 1,683
Efficiency Ratio
82.17%
Rank 1,043 of 1,682
Equity / Assets
12.14%
Rank 968 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 591 / 1,683 | |
| Return on Equity | 8.27% | 2.67% | 5.89% | 8.74% | Beats 72% | 476 / 1,681 | |
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 73% | 447 / 1,683 | |
| Efficiency Ratio | 82.17% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,043 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 447 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.14% | 10.44% | 12.89% | 16.53% | Beats 42% | 968 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.14% | 10.44% | 12.89% | 16.53% | Beats 42% | 968 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.00% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,467 / 1,683 | |
| Loans / Assets | 36.78% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,428 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |