LYNCHBURG MUNICIPAL EMPLOYEES
Charter #14623 · Lynchburg, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.26% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.30% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 25th — a 40-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LYNCHBURG MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.74M | 65th pct | 25th pct |
| Members | 2,936 | 74th pct | 46th pct |
| Net worth ratio | 11.70% | 33th pct | 46th pct |
| Return on average assets | 0.67% | 51th pct | 46th pct |
| Net interest margin | 4.26% | 70th pct | 90th pct |
| Cost of funds | 0.30% | 20th pct | 25th pct |
| Loan-to-share | 41.64% | 23th pct | 31th pct |
| Delinquency 60+ days | 0.25% | 33th pct | 33th pct |
| Net charge-off ratio | 0.40% | 67th pct | 62th pct |
| Loan growth YoY | 3.23% | 88th pct | 87th pct |
| Share growth YoY | 5.04% | 75th pct | 82th pct |
| Efficiency ratio | 82.58% | 56th pct | 62th pct |
structural peer set hash: 8bb1814eded0ca3cec3de939f672999d… (reproducible)
Closest structural peers
This is the free public view
Claim LYNCHBURG MUNICIPAL EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.