Federal credit union · Salisbury, North Carolina · NCUA charter #24813
Lion's Share
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $60.8M
- Total assets
- 12,480
- Members
- 3.1%
- Net-worth ratio
Lion's Share scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.8M; members 12,480; net-worth ratio 3.10%; health rank #4,343 of 4,374; healthier than 1st of scored peers.
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NCUA 5300 Call Report Masthead
#4,343 of 4,374 health · 2025Q4Lion's Share · health 40/100 · $60.8M · 2025Q4
Call Report peers
Lion's Share in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lion's Share vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lion's Share sits in 40-44 with 25 others.
40 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Lion's Share diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 93.80% vs peer 62.60% (+31.20 pp).
- Largest lag: Net Worth Ratio at 3.10% vs peer 13.62% (-10.52 pp).
Lion's Share in North Carolina
- North Carolina health ordinal: #56 of 57.
- North Carolina assets place: #32 of 57.
- Member book place in North Carolina: #21 of 57.
- One place up in North Carolina, Texas Gulf Carolina Emp (#55) scores 48/100, 8 points higher; one place down, CIVIC (#57) scores 32/100, 8 points lower.
Lion's Share Call Report trajectory
Lion's Share: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.5% from $60.8M (2025Q4) to $65.9M (2026Q1).
- Net-worth ratio shifted -0.43 pp (3.53% → 3.10%).
At 3.10%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 40/100 score is built
Lion's Share gives up 60 points in total. Net Worth Ratio costs the most, 22.2 of its 30; Loan-to-Share Ratio loses the least, 1.7.
- Net Worth Ratio 7.8 pts
- Delinquency Rate 17.7 pts
- Return on Assets 0.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Lion's Share
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 3.10% | -10.52 pp |
| Delinquency Rate | 1.31% | +0.34 pp |
| Return on Assets | -1.89% | -2.55 pp |
| Member Growth | -4.33% | - |
| Loan-to-Share Ratio | 93.80% | +31.20 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Lion's Share quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.9M | - |
| 2025Q4 | $60.8M | 12,480 |
| 2024Q4 | $62.9M | 13,045 |
| 2023Q4 | $70.6M | 12,272 |
Credit Union Details
- Charter Number
- 24813
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- Salisbury
- Data Quarter
- 2025Q4
Branch Locations (2)
Lion's Share operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Salisbury, NC |
| Vital Records Site | Charlotte, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Lion's Share nationwide neighbourhoods
Similar total assets
Using this data
- Lion's Share ranks #4,343 of 4,374 nationally on financial health and #56 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vision Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vision Financial
Frequently Asked Questions
Is Lion's Share financially healthy?
Lion's Share has a financial health score of 40/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,343 of 4,374 nationally on health and #56 of 57 in North Carolina. Its net worth ratio is 3.10% and its delinquency rate 1.31%.
How does Lion's Share compare to other credit unions?
Lion's Share scores 40/100, higher than 1% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (93.80% vs 62.60%). Its widest shortfall is net worth ratio (3.10% vs 13.62%).
How can I join Lion's Share?
Lion's Share operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Lion's Share directly for the exact boundaries and application steps.
Is my money safe at Lion's Share?
Lion's Share is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lion's Share's net worth ratio of 3.10% is relative to the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.