Lithium

BESSEMER CITY, NC · 1 · Charter #11409 · www.lithiumfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$16.0M
55th percentile
Members
1,597
55th percentile
Total loans
$12.2M
72th percentile
Total shares
$11.7M
52th percentile

Profitability

Return on assets
0.94%
56th percentile
Net interest margin
4.94%
81th percentile
Efficiency ratio
65.68%
52th percentile
Non-interest income ratio
10.03%
53th percentile

Capital & Risk

Net worth ratio
13.88%
43th percentile
Delinquency rate
2.99%
15th percentile
Net charge-off rate
0.40%
38th percentile
Loan-to-share
103.84%
95th percentile

Growth

Member growth YoY
3.50%
91th percentile
Asset growth YoY
7.78%
87th percentile
Loan growth YoY
5.70%
81th percentile
Share growth YoY
5.46%
78th percentile

Operations

Members / branch
1,597
67th percentile
Assets / member
$10,024
56th percentile
Field of membership penetration
4.84%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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