Lynchburg Municipal Employees Federal Credit Union

Headquarters: Lynchburg, Virginia
Charter: Credit Union
Assets: $31.4M
Fed district: Richmond
Regulator: NCUA

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for Lynchburg Municipal Employees Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Lynchburg Municipal Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Lynchburg Municipal Employees Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $26K in Q2 2026, 37% above the same quarter a year earlier ($19K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Lynchburg Municipal Employees Federal Credit Union: $25 to $35
Lynchburg Municipal Employees Federal Credit Union: $25 to $35
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Lynchburg Municipal Employees Federal Credit Union: $15 to $25
Lynchburg Municipal Employees Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Lynchburg Municipal Employees Federal Credit Union: $2.50
Lynchburg Municipal Employees Federal Credit Union: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $26K.

Fee income, Q2 2026

$26K

$26KQ3 2025

$24KQ4 2025

$28KQ1 2026

$26KQ2 2026

Against the median

Lynchburg Municipal Employees Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Lynchburg Municipal Employees Federal Credit Union · $31M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Credit unions only
$30M to $33M in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lynchburg Municipal Employees Federal Credit Union(this institution)	Lynchburg, VA	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Baldwin County Federal Credit Union	Bay Minette, AL	$32M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Camp Shelby Federal Credit Union	Hattiesburg, MS	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capstone Federal Credit Union	Aliso Viejo, CA	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cheyenne-Laramie County Employees Federal Credit Union	Cheyenne, WY	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Federal Credit Union	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Etma Federal Credit Union	Louisville, TN	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Faith Connection Federal Credit Union	Marietta, GA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Springfield, OR	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greenwich Municipal Employees Federal Credit Union	Greenwich, CT	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Meridian Mississippi Ang Federal Credit Union	Meridian, MS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mills42 Federal Credit Union	Lowell, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Taupa Lithuanian Federal Credit Union	South Boston, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Up Federal Credit Union	North Little Rock, AR	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Lynchburg Municipal Employees Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $3 among 9 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lynchburg Municipal Employees Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Lynchburg Municipal Emplo…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Lynchburg Municipal Employees Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $26K
vs prior quarter: −$2K−7.1%; from Q1 2026
vs a year earlier: +$7K+36.8%; from Q2 2025
vs start of range: +$7K+36.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Lynchburg Municipal Employees Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$26K	−$2K	−7.1%
Q1 2026	$28K	+$4K	+16.7%
Q4 2025	$24K	−$2K	−7.7%
Q3 2025	$26K	+$7K	+36.8%
Q2 2025	$19K	+$13K	+216.7%
Q1 2025	$6K	−$16K	−72.7%
Q4 2024	$22K	+$3K	+15.8%
Q3 2024	$19K	+$3K	+18.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Lynchburg Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing within six (6) months$5
Reactivation Fee (dormant accounts)$10
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address Fee$1

Overdraft & NSF

Overdraft (Debit, ACH, Draft)$25
Overdraft Privilege/Courtesy Pay$35
Return ACH/Draft$15
per item
Return Check Fee$25

ATM & Card

Up to five (5) ATM withdrawals; six (6) or more$2.50
per item
Replacement Card$5
Express Shipping Replacement Debit Card (1 Day)$25
Express Shipping Replacement Debit Card (2-3 Days)$15

Wire Transfers

Outgoing Wire$15
Incoming Wire$5

Check Services

Cashier's Check$6
Credit Union Official Check$3
Checking cashing, fee per check (If less than $100.00 in shares, and no other services.)$3
per item

Cash & Deposit

Counting Coin5%
Cash Advance Fee1%of the advance ($3 minimum)

Account Services

Garnishment/Tax Levy$50

Lending Fees

Late Fee$15

Other Fees

Statement Copy$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing within six (6) months	$5	Not stated	None
Reactivation Fee (dormant accounts)	$10	Not stated	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address Fee	$1	Not stated	None
Overdraft & NSF
Overdraft (Debit, ACH, Draft)	$25	Not stated	None
Overdraft Privilege/Courtesy Pay	$35	Not stated	None
Return ACH/Draft	$15	per item	None
Return Check Fee	$25	Not stated	None
ATM & Card
Up to five (5) ATM withdrawals; six (6) or more	$2.50	per item	None
Replacement Card	$5	Not stated	None
Express Shipping Replacement Debit Card (1 Day)	$25	Not stated	None
Express Shipping Replacement Debit Card (2-3 Days)	$15	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Incoming Wire	$5	Not stated	None
Check Services
Cashier's Check	$6	Not stated	None
Credit Union Official Check	$3	Not stated	None
Checking cashing, fee per check (If less than $100.00 in shares, and no other services.)	$3	per item	None
Cash & Deposit
Counting Coin	5%	Not stated	None
Cash Advance Fee	1%of the advance ($3 minimum)	Not stated	None
Account Services
Garnishment/Tax Levy	$50	Not stated	None
Lending Fees
Late Fee	$15	Not stated	None
Other Fees
Statement Copy	$2.50	per item	None

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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