Glamorgan Employees Federal Credit Union Lynchburg, Virginia
Glamorgan Employees Federal Credit Union is a federal credit union headquartered in Lynchburg, VA, established in 1969 (NCUA charter 19416), and it is regulated and insured by the NCUA. At Q2 2026 it reported 289 members and total assets of $2.0M (down 0.5% from Q2 2025), the 88th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 23.00% at Q2 2026, in the well capitalized band.
Also written as Glamorgan Employees FCU
BankRegReports is independent of Glamorgan Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 19416
- Headquarters
- Lynchburg, VA
- Established
- 1969
- Total assets, Q2 2026
- $2.0M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 289
- Net worth ratio, Q2 2026
- 23.00%
- Latest call report
- Q2 2026, NCUA 5300 · Glamorgan Employees Federal Credit Union call report
- Asset rank in state
- 88th of 94 in Virginia
- Routing number
- 251480958
- Branches
- 2
It has 60 fewer members than on June 30, 2025 (-17.2%). Its net worth ratio was down 6.58 percentage points from 29.58% on June 30, 2025. Its 60-day delinquency ratio of 17.09% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.00% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Frequently asked about Glamorgan Employees Federal Credit Union
How big is Glamorgan Employees Federal Credit Union?
At Q2 2026 it reported total assets of $2.0M and 289 members.
Where is Glamorgan Employees Federal Credit Union headquartered?
It is headquartered in Lynchburg, VA, United States.
When was Glamorgan Employees Federal Credit Union founded?
It was established in 1969, per NCUA records.
Is Glamorgan Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19416): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Glamorgan Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Glamorgan Employees Federal Credit Union well capitalized?
Its net worth ratio was 23.00% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Glamorgan Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 17.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Glamorgan Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 47.45% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lynchburg, VA 24504
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 19416
- RSSD ID
- 5881
- Members
- 289
- Potential members
- 600
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.00% | 14.31% | 83rd top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 16.24% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 70.64% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | -16.87% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | -1.01% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 17.09% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | -17.88% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 47.45% | 58.92% | 33rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.0M total assets against $2.0M; $1.5M total shares and deposits against $1.4M; $715K total loans against $812K.
$459K net worth against $593K.
23.00% net worth ratio against 29.58%.
47.45% loan-to-share ratio against 58.31%.
17.09% delinquency ratio against 24.58%.
16.24% return on assets against -3.56%; 70.64% return on equity against -12.03%.
-16.87% net interest margin against 5.84%.
289 members against 349.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.00% | 16.24% | 17.09% | 47.45% |
| March 31, 2026 | 23.63% | -21.46% | 20.66% | 39.56% |
| December 31, 2025 | 24.98% | -21.93% | 16.06% | 46.21% |
| September 30, 2025 | 28.92% | 2.87% | 34.46% | 52.86% |
| June 30, 2025 | 29.58% | -3.56% | 24.58% | 58.31% |
| March 31, 2025 | 30.06% | 0.63% | 13.86% | 66.16% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.