Federal credit union · BESSEMER CITY, North Carolina · NCUA charter #11409
LITHIUM
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $16.0M
- Total assets
- 1,597
- Members
- 14.1%
- Net-worth ratio
LITHIUM scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.0M; members 1,597; net-worth ratio 14.07%; health rank #3,260 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,260 of 4,374 health · 2025Q4LITHIUM · health 75/100 · $16.0M · 2025Q4
- ASSETS 75/100
- MEM 14.1%
- RANK 2.99%
- PHOTO 0.23%
- BOOK $16.0M
- CHARTER 1,597
- NCUSIF #3,260/4,374
- CAMELS Two Rivers
- HEALTH 11409
Call Report peers
LITHIUM in the assets neighbourhood
LITHIUM's $16.0M assets sit next to Two Rivers ($16.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LITHIUM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% 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
LITHIUM - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11409. See our deposit-insurance coverage note.
LITHIUM vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 88.78% vs peer 59.80% (+28.98 pp).
- Largest lag: Delinquency Rate at 2.99% vs peer 1.15% (+1.84 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LITHIUM in North Carolina
- Health composite ranks #37 of 57 among scored North Carolina credit unions.
- By total assets, LITHIUM is #47 of 57 in North Carolina.
- Membership ranks #49 of 57 among North Carolina CUs with a reported count (1,597 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LITHIUM Call Report trajectory
LITHIUM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $16.0M (2025Q4) to $15.8M (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.88% → 14.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.3 pts
- Return on Assets 10.9 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 14.6 pts
LITHIUM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.07% | -0.79 pp |
| Delinquency Rate | 2.99% | +1.84 pp |
| Return on Assets | 0.23% | -0.48 pp |
| Member Growth | 3.50% | - |
| Loan-to-Share Ratio | 88.78% | +28.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
LITHIUM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.8M | - |
| 2025Q4 | $16.0M | 1,597 |
| 2024Q4 | $14.9M | 1,543 |
| 2023Q4 | $14.4M | 1,466 |
Credit Union Details
- Charter Number
- 11409
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- BESSEMER CITY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for LITHIUM.
| Office | City |
|---|---|
| LITHIUM FEDERAL CU (Main Office) | BESSEMER CITY, 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.
LITHIUM nationwide neighbourhoods
Two NCUA Call Report peer sets for LITHIUM, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- LITHIUM ranks #3,260 of 4,374 nationally on financial health and #37 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GREENSBORO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GREENSBORO
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LITHIUM financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - LITHIUM's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,260 of 4,374; by total assets it ranks #3,290 of 4,374 nationally (same basis as /rankings/largest); and #47 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.07% net worth ratio and 2.99% delinquency rate are the key drivers.
How does LITHIUM compare to other credit unions?
Five weighted metrics from NCUA filings produce LITHIUM's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 LITHIUM?
LITHIUM 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 LITHIUM directly for the exact boundaries and application steps.
Is my money safe at LITHIUM?
Federal credit unions like LITHIUM 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. LITHIUM's net worth ratio of 14.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LITHIUM offer compared to banks?
Credit unions like LITHIUM 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 LITHIUM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.