# LYNCHBURG MUNICIPAL EMPLOYEES
Lynchburg, VA · NCUA charter 14623 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lynchburg-municipal-employees-14623

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 2,936 members of 5,000 potential (58.7% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.7M |
| Members | 2,936 (0.3% YoY) |
| Full-time staff | 9 |
| Net worth | $3.7M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 0.25% (p34 of band) |
| Net charge-offs (annualized) | 0.40% (p72 of band) |
| Loans / shares | 42% (p26 of band) |
| Cash / assets | 62.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.19% (p63 of band) |
| Operating expense / assets | 3.90% (p57 of band) |
| Vehicles % of loans | 44% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.31% (p44 of band) |
| Vehicle NCO | 0.44% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 2% |
| Average share balance | $4,991 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $8,192 |
| Loans granted, annualized | $5.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 5 | losing money, charge-offs p90, members leaving, loan book shrinking | delinquency rising |
| 2018-06 | 4 |  | members leaving |
| 2018-09 | 2 | members leaving | losing money, charge-offs p90, loan book shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | delinquency rising | members leaving |
| 2019-06 | 2 | members leaving | delinquency rising |
| 2019-09 | 1 | delinquency rising | auto monoline, members leaving |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, losing money, margin squeeze |  |
| 2020-09 | 4 | delinquency rising |  |
| 2020-12 | 4 | members leaving | net worth falling |
| 2021-03 | 1 |  | losing money, delinquency rising, members leaving |
| 2021-06 | 1 | members leaving | margin squeeze |
| 2021-09 | 1 | loan book shrinking | members leaving |
| 2021-12 | 3 | net worth falling, losing money |  |
| 2022-03 | 4 | margin squeeze, charge-offs p90 | loan book shrinking |
| 2022-06 | 6 | delinquency rising, members leaving |  |
| 2022-09 | 5 |  | margin squeeze |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 | assets shrinking | net worth falling, losing money, members leaving |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 1 | losing money | assets shrinking |
| 2024-06 | 2 | delinquency rising, charge-offs p90 | losing money |
| 2024-09 | 0 |  | delinquency rising, charge-offs p90 |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-03 [Today's Highest CD Rates Are Up to 9% APY. Here's Where to Get Them - money.com](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA1aGZzQ2VOYkVkMGs4QXlEdDd4VzdDQ291R3BGTG5ZTERkZ3RBSVFTaVBSRTRuWkVCdEx6VE5sOExHX1BMeTN2RTZ4S2psMXVoVFFJ?oc=5) · money.com
- 2026-08-16 [Savings and CD interest rates have increased, but ignore click-bait lists - Post and Courier](https://news.google.com/rss/articles/CBMixgFBVV95cUxPLVQ5bERGcGhpMnRVWEJwa19kNTd5a2c4cjZFTzdySVZSMWRObXBlTTBxbjFqT2JqSUlKNzFzVkRyUy1BWjI2VnpLUU9BWTBuUE9vcWE2amtqNGxCeHZSRldsMXFIdzBiVDJMMnlUcXc3WGU3RF9qM2hzTWVwU3g5ZmlzZkpmSjNLbjh6YTVSd3JsUUxkeVdXVjdzZmxSXzgyajA2N0xQeUVYSl9mV29IdW1lVWF4TkZIMzJxUDZqeUdQNWpYRFE?oc=5) · Post and Courier
- 2026-08-27 [This CD is offering 9%, and another 7.5% — plus 8 more of the best CD APYs of August 2026 - MarketWatch](https://news.google.com/rss/articles/CBMixgFBVV95cUxPTHpwR0Y5YTlwYThlOFlVdkd4NmdtcXdPRXBoMTY4MDd4UWJOajFjNko3eThOV2VPT1ZPMEs3MXFDUHZ2MlNRRmozTWY3TE9iV3FWamxPRlAxSFRkZ1p1QUZvRVR6dUhmQklFdU16a252VldWTW10RWFHRFFhcWtYcFFaTkhKQkIyUy0wQXhvU2NXQmV6WUNVQjNPT3JWcGhEY1lPakg5VDc1LXdGbkRjS1VRdldNSHI3VnNnczdfdUxMSEE3dmc?oc=5) · MarketWatch
- 2026-09-03 [The highest CD rates of September 2026: Up to 9% APY - MarketWatch](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQklNWXVEeUhVQkZzMkVVQnU2aHE1OHl2MWd1VWRFc284SjBMUk5fZWx3U1hxc3dnbTRtV1RMTDJkYTF4Y1VZOVdwSkl0VG1hcTgwSXhLaWNHRlctalFtYkZHX2lybjhVZlNhMWpVdU9VT0Y5LXdjNmVfYldKdW9Eb0lsbk1FdmFteUpvNHBQU0RsYXVadEFpdQ?oc=5) · MarketWatch
- 2026-07-29 [This CD offers 9% — plus 9 more of the highest APYs of July 2026 - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNWJqbldFMTVlcjhmT3hPTG55SS1DelFEV29FZUlaejFJTXVTTzc1YXE5eW1QdTRhZjhpTl9xR0FrOTA4TUV4aEpvLVJmZmtMQkI3cl9UYjdkQVR2QjV4RERfbUtfa1NFNVI1T0h0WV8xUldzYzNvck51dVNOYXB4bWRLeXlJbUlWdFhEYjQybDFkTjBhbWMyQnV0WVQwMEp2a3FwQ0JSeTVFS00?oc=5) · MarketWatch
- 2026-06-24 [These 2 CDs offer 9% — plus 8 more of the highest APYs of June 2026 - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTVRaZnNzOEdUVENWVWVEazg2eEwyYmZzSFFfRnRkRnU5QW5SLUdUeVlzcC00RGM1SUxMQWlUOXdVenEzMnYyaXBYYjA4MlR5b1QxQ1RkbjRCTXRmUi1CNGZXLUI5RmFRTmJEWWt2c0tZNEE3TGZKSEdBeDcxVWZFdzZ4T1U3R3Y4NE5oS2tJSEV3Mmk2V1M4S3ZSSUxYak1GMG5tVG02ek1VNms?oc=5) · MarketWatch
- 2026-05-29 [This CD is offering 9% — plus, 9 more of the top APYs of May 2026 - MarketWatch](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNS1CNU5iaVVHeWFTUkJBV2pHdXcwaW0zdFFjSEdCWXR2RGtvSVpnWENlMG5UekRtdnlVMnJydzUyeU4wRUN0c0t6SEhzQk9LaFFHRjVMT05JUUtXeUJYdnlaRHY4TktVSkdvY3FXTTlxOXA0NkN2NDJiY0J3eTNCcVJuTWVKSk1EeTdtaWpaMVJ4NnB5dmtEMllBM1c0SUZVYVJQd3pZYw?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14623 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/31.json (key "14623", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=14623
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide