BlastPoint's Credit Union Scorecard

LYNCHBURG MUNICIPAL EMPLOYEES

Charter #14623 · VA

<100M

2556 CUs in <100M nationally 48 in VA

LYNCHBURG MUNICIPAL EMPLOYEES demonstrates 2 strengths

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.35% above tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	2,929 -0.1% YoY+0.3% QoQ	+313	2,615 -1.9% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	66%
Assets	$30.7M +6.0% YoY+1.2% QoQ	+$519K	$30.1M +2.1% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	60%
Loans	$11.5M -1.6% YoY+2.2% QoQ	$-4.3M	$15.8M -1.3% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	54%
Deposits	$26.9M +5.7% YoY+1.4% QoQ	+$1.3M	$25.7M +1.4% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +29.8% YoY-15.6% QoQ	+0.4%	0.6% +10.8% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	64%
NIM	4.1% +1.9% YoY+1.6% QoQ	+0.2%	4.0% +4.0% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	79.0% +3.1% YoY+5.0% QoQ	-3.6%	82.6% -2.3% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	0.4% +6.6% YoY+223.1% QoQ	-1.2	1.6% -3.1% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	34%
Loan To Share	42.7% -6.9% YoY+0.8% QoQ	-17.9%	60.6% -3.1% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	23%
AMR	$13,128 +3.5% YoY+1.3% QoQ	$-2K	$14,783 -1.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	46%
CD Concentration	2.3% +12.5% YoY+14.9% QoQ	-22.1%	24.4%	18.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

556

Asset Growth Rate

growth

Value: 5.98%

Peer Median: -

#556 of 2556 Top 21.7% in <100M tier

567

Deposit Growth Rate

growth

Value: 5.66%

Peer Median: -

#567 of 2556 Top 22.1% in <100M tier

Top Weaknesses (2 metrics)

2071

First Mortgage Concentration (%)

balance_sheet

Value: 31.66%

Peer Median: -

#2071 of 2556 Bottom 19.0% in <100M tier

1973

Loan-to-Share Ratio

balance_sheet

Value: 42.72%

Peer Median: -

#1973 of 2556 Bottom 22.8% in <100M tier