Lynchburg Municipal Employees

Lynchburg, VA · 1 · Charter #14623 · wwwlmefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.7M
78th percentile
Members
2,929
83th percentile
Total loans
$11.5M
70th percentile
Total shares
$26.9M
80th percentile

Profitability

Return on assets
0.97%
58th percentile
Net interest margin
4.10%
55th percentile
Efficiency ratio
75.55%
32th percentile
Non-interest income ratio
15.03%
69th percentile

Capital & Risk

Net worth ratio
11.94%
30th percentile
Delinquency rate
0.35%
64th percentile
Net charge-off rate
0.06%
67th percentile
Loan-to-share
42.72%
25th percentile

Growth

Member growth YoY
-0.14%
65th percentile
Asset growth YoY
5.98%
79th percentile
Loan growth YoY
-1.59%
56th percentile
Share growth YoY
5.66%
79th percentile

Operations

Members / branch
1,465
63th percentile
Assets / member
$10,469
60th percentile
Field of membership penetration
58.58%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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