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Letter portraitLegal landscapeQuarterYTD

Lynchburg Municipal Employees

Lynchburg, VA · Charter 14623

NCUA · 1 branch

Q2 2026

$31.4MAssets
$11.6MLoans
$27.5MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, down 27 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.28% of loans (+3 bps YoY).
  • Capital: net worth / assets of 12.14%, up 35 bps from a year ago.
  • Funding: loans stand at 42.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.00%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+25 bps YoY

Efficiency Ratio (YTD, annualized)

82.26%+1,069 bps YoY

Net Worth / Assets

12.14%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.76%0.68%1.27%1.15%0.97%0.66%1.00%-27 bps
Return on Equity3.78%6.50%5.92%10.79%9.64%8.11%5.61%8.27%-252 bps
Net Interest Margin3.73%4.11%4.08%4.03%4.06%4.10%4.19%4.28%+25 bps
Efficiency Ratio77.55%76.62%80.30%71.57%75.20%78.97%82.58%82.26%+1,069 bps
Growth
Asset Growth (YoY)2.66%0.41%3.59%4.73%1.97%5.98%6.20%3.71%-102 bps
Loan Growth (YoY)3.17%-1.68%-0.87%-0.78%-4.50%-1.59%1.01%2.13%+291 bps
Share Growth (YoY)2.14%0.07%2.89%4.13%1.36%5.66%6.42%3.64%-49 bps
Asset Quality
Delinquent Loans / Loans0.29%0.33%0.28%0.25%0.11%0.35%0.25%0.28%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.96%11.70%11.50%11.80%11.96%11.94%11.70%12.14%+35 bps
Net Worth / Assets10.96%11.70%11.50%11.80%11.96%11.94%11.70%12.14%+35 bps
Liquidity & Funding
Loans / Shares44.97%45.87%43.87%42.62%42.38%42.72%41.64%42.00%-62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps