Credit Union Safety Analysis
Is Lion's Share Federal Credit Union Safe? Salisbury, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Lion's Share Federal Credit Union has a net worth ratio of 3.23%, below the NCUA level for adequately capitalized, its 60-day delinquency ratio is 1.26%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Lion's Share Federal Credit Union's net worth ratio is 3.23%, below the 6% NCUA level for adequately capitalized.
- Net worth ratio (Q2 2026): 3.23%
- Delinquency ratio (60+ days) (Q2 2026): 1.26%
- Return on assets (Q2 2026): 0.27%
- Loan-to-share ratio (Q2 2026): 85.62%
Lion's Share Federal Credit Union (NCUA charter 24813, established 1982) reported $64.7M in assets and 12,625 members for Q2 2026 from Salisbury, North Carolina. It ranks 31 of 56 credit unions in North Carolina by total assets. Total assets fell 0.1% from $64.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 3.10% for Q1 2026; 6.52% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.05% for Q1 2026; 3.05% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.61% for Q1 2026; 0.33% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 84.42% for Q1 2026; 83.55% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.3M
- 1- to 4-family residential and other consumer real estate loans: $19.1M
- New vehicle loans: $5.1M
- Other unsecured loans and lines of credit: $4.4M
- Unsecured credit card loans: $2.4M
- Other secured non-real estate loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $64.7M | 3.23% | 1.26% | 0.27% | 85.62% |
| March 31, 2026 | $65.9M | 3.10% | 1.05% | -0.61% | 84.42% |
| December 31, 2025 | $60.8M | 3.53% | 1.31% | -3.73% | 93.80% |
| September 30, 2025 | $61.3M | 4.77% | 0.98% | -8.48% | 91.14% |
| June 30, 2025 | $64.7M | 6.52% | 3.05% | 0.33% | 83.55% |
| March 31, 2025 | $65.3M | 6.38% | 2.80% | -5.93% | 78.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Lion's Share Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24813) · FFIEC NIC profile (RSSD 618197)
Frequently asked questions
Is Lion's Share Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Lion's Share Federal Credit Union's net worth ratio is 3.23%, below the 6% NCUA level for adequately capitalized.
Is Lion's Share Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Lion's Share Federal Credit Union is a federally insured credit union (NCUA charter 24813): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Lion's Share Federal Credit Union's key safety ratios?
For Q2 2026, Lion's Share Federal Credit Union reports net worth 3.23%, delinquency 1.26%, ROA 0.27%, loan-to-share 85.62%.
What happens to my money if Lion's Share Federal Credit Union fails?
For Q2 2026, Lion's Share Federal Credit Union held $62.2M in shares and deposits for 12,625 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.