Compared with Virginia
2 of 15
compared fees are above the median.
11 below, 2 about the same.
About the same: within 1% of the median.
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
47th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 15 compared; 11 below, 2 about the same
See the feesFee schedule read Oct 18, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia 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
Fee income was 6.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (47th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
2 of 15 compared published fees sit above the Virginia median; 11 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $20, the middle of its prices
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.
Fee income was about level from Q3 2025 to Q2 2026, at $26K. Its share of revenue, 6.8%, is below the 7.2% median for credit unions with under $300M in assets.
$26K
Lynchburg Municipal Employees Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $25 to $35; we compare the highest.
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.
| 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.
Peer pricing snapshot
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 Oct 31, 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.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Lynchburg Municipal Employees Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Lynchburg Municipal Employees Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Lynchburg Municipal Employees Federal Credit Union by share.
Amounts from Lynchburg Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closing within six (6) months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Reactivation Fee (dormant accounts) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee | $1Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (Debit, ACH, Draft) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Privilege/Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return ACH/Draft | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Check Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Up to five (5) ATM withdrawals; six (6) or more | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Express Shipping Replacement Debit Card (1 Day) | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Express Shipping Replacement Debit Card (2-3 Days) | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Credit Union Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Checking cashing, fee per check (If less than $100.00 in shares, and no other services.) | $3Below the U.S. middle 50% ($5 to $10 nationally) | 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 | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Lynchburg Municipal Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lynchburg, VA | 1 |
Largest competitors nearby
Local market: Lynchburg city, Campbell and Bedford counties, VA, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| Truist Bank | 17.7% |
| Wells Fargo Bank, National Association | 16.3% |
| First National Bank | 13.1% |
| Bank of the James | 12.1% |
| Atlantic Union Bank | 7.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.