Credit Union Safety Analysis
Is Glamorgan Employees Federal Credit Union Safe? Lynchburg, Virginia
Based on its Q2 2026 NCUA 5300 call report, Glamorgan Employees Federal Credit Union has a net worth ratio of 23.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 17.09%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Glamorgan Employees Federal Credit Union's net worth ratio is 23.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.00%
- Delinquency ratio (60+ days) (Q2 2026): 17.09%
- Return on assets (Q2 2026): 16.24%
- Loan-to-share ratio (Q2 2026): 47.45%
Glamorgan Employees Federal Credit Union (NCUA charter 19416, established 1969) reported $2.0M in assets and 289 members for Q2 2026 from Lynchburg, Virginia. It ranks 88 of 94 credit unions in Virginia by total assets. Total assets fell 0.5% from $2.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.63% for Q1 2026; 29.58% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 20.66% for Q1 2026; 24.58% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -21.46% for Q1 2026; -3.56% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 39.56% for Q1 2026; 58.31% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.0M | 23.00% | 17.09% | 16.24% | 47.45% |
| March 31, 2026 | $2.1M | 23.63% | 20.66% | -21.46% | 39.56% |
| December 31, 2025 | $2.0M | 24.98% | 16.06% | -21.93% | 46.21% |
| September 30, 2025 | $2.1M | 28.92% | 34.46% | 2.87% | 52.86% |
| June 30, 2025 | $2.0M | 29.58% | 24.58% | -3.56% | 58.31% |
| March 31, 2025 | $2.0M | 30.06% | 13.86% | 0.63% | 66.16% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Glamorgan Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19416) · FFIEC NIC profile (RSSD 5881)
Frequently asked questions
Is Glamorgan Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Glamorgan Employees Federal Credit Union's net worth ratio is 23.00%, above the 7% NCUA threshold for well capitalized.
Is Glamorgan Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Glamorgan Employees Federal Credit Union is a federally insured credit union (NCUA charter 19416): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Glamorgan Employees Federal Credit Union's key safety ratios?
For Q2 2026, Glamorgan Employees Federal Credit Union reports net worth 23.00%, delinquency 17.09%, ROA 16.24%, loan-to-share 47.45%.
What happens to my money if Glamorgan Employees Federal Credit Union fails?
For Q2 2026, Glamorgan Employees Federal Credit Union held $1.5M in shares and deposits for 289 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.