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.
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NCUA 5300 Call Report Masthead
#3,260 of 4,374 health · 2025Q4LITHIUM · health 75/100 · $16.0M · 2025Q4
Call Report peers
LITHIUM in the assets neighbourhood
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LITHIUM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LITHIUM sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in North Carolina, HSM (#36) scores 76/100, 1 point higher; one place down, Greater Kinston (#38) ties at 75/100.
LITHIUM Call Report trajectory
LITHIUM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $16.0M (2025Q4) to $15.8M (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.88% → 14.07%).
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
LITHIUM gives up 25 points in total. Delinquency Rate costs the most, 18.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is LITHIUM financially healthy?
LITHIUM has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,260 of 4,374 nationally on health and #37 of 57 in North Carolina. Its net worth ratio is 14.07% and its delinquency rate 2.99%.
How does LITHIUM compare to other credit unions?
LITHIUM scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (88.78% vs 59.80%). Its widest shortfall is delinquency rate (2.99% vs 1.15%).
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?
LITHIUM 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. LITHIUM's net worth ratio of 14.07% exceeds 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.