Lion's Share Federal Credit Union Salisbury, North Carolina
Lion's Share Federal Credit Union is a federal credit union headquartered in Salisbury, NC, established in 1982 (NCUA charter 24813), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,625 members and total assets of $64.7M (down 0.1% from Q2 2025), the 31st largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 3.23% at Q2 2026, in the significantly undercapitalized band.
Also written as Lion's Share FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24813
- Headquarters
- Salisbury, NC
- Established
- 1982
- Total assets, Q2 2026
- $64.7M
- Assets vs Q2 2025
- -0.1%
- Members, Q2 2026
- 12,625
- Net worth ratio, Q2 2026
- 3.23%
- Latest call report
- Q2 2026, NCUA 5300 · Lion's Share Federal Credit Union call report
- Asset rank in state
- 31st of 56 in North Carolina
- Routing number
- 253184870
- Branches
- 2
It has 781 fewer members than on June 30, 2025 (-5.8%). Its net worth ratio was down 3.29 percentage points from 6.52% on June 30, 2025. Used vehicle loans are its largest loan category, $20.3M of $53.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.26% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 3.23% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about Lion's Share Federal Credit Union
How big is Lion's Share Federal Credit Union?
At Q2 2026 it reported total assets of $64.7M and 12,625 members.
Where is Lion's Share Federal Credit Union headquartered?
It is headquartered in Salisbury, NC, United States.
When was Lion's Share Federal Credit Union founded?
It was established in 1982, per NCUA records.
Is Lion's Share Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24813): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Lion's Share Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Lion's Share Federal Credit Union well capitalized?
Its net worth ratio was 3.23% at Q2 2026, in the significantly undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Lion's Share Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Lion's Share Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Salisbury, NC 28147
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1982
- NCUA Charter #
- 24813
- RSSD ID
- 618197
- Members
- 12,625
- Potential members
- 220,562
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 3.23% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.27% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.46% | 4.74% | 74th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.53% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.11% | 79.83% | 56th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.36% | 0.78% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.26% | 0.86% | 41st below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.89% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 85.62% | 58.92% | 86th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$64.7M total assets against $64.7M; $62.2M total shares and deposits against $60.1M; $53.2M total loans against $50.2M.
$2.1M net worth against $4.2M.
3.23% net worth ratio against 6.52%.
85.62% loan-to-share ratio against 83.55%.
1.26% delinquency ratio against 3.05%.
0.27% return on assets against 0.33%; 8.46% return on equity against 5.11%.
5.53% net interest margin against 5.74%.
12,625 members against 13,406.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 3.23% | 0.27% | 1.26% | 85.62% |
| March 31, 2026 | 3.10% | -0.61% | 1.05% | 84.42% |
| December 31, 2025 | 3.53% | -3.73% | 1.31% | 93.80% |
| September 30, 2025 | 4.77% | -8.48% | 0.98% | 91.14% |
| June 30, 2025 | 6.52% | 0.33% | 3.05% | 83.55% |
| March 31, 2025 | 6.38% | -5.93% | 2.80% | 78.96% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.