Federal credit union · Salisbury, North Carolina · NCUA charter #24813
Lion's Share
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $60.8M
- Total assets
- 12,480
- Members
- 3.5%
- Net-worth ratio
Lion's Share - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24813, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Lion's Share - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)29
- Asset quality (delinquency)71
- Earnings (ROA)0
- Member growth8
- Liquidity (loan-to-share)89
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 3.53%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.53% | 30% |
| Delinquency Rate | 1.31% | 25% |
| Return on Assets | -1.89% | 15% |
| Member Growth | -4.33% | 15% |
| Loan-to-Share Ratio | 93.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lion's Share
Lion's Share is a federal credit union headquartered in Salisbury, North Carolina, serving 12,480 members with $60.8M in total assets and $55.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 41/100 (Below Average), anchored by a net worth ratio of 3.53% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24813 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 1.31% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 93.80% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.89% on net income of $-1148600 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.33%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Lion's Share financially healthy?
Lion's Share scores 41/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 3.53% net worth ratio and a 1.31% delinquency rate.
How does Lion's Share compare to other credit unions?
Lion's Share scores 41/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Lion's Share are 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 3.53% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Lion's Share offer compared to banks?
Credit unions like Lion's Share are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lion's Share directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.