Side-by-side · Q2 2026 data
Lithium Federal Credit Union vs Nova Credit Union
Credit union
Lithium Federal Credit Union
Bessemer City, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Lithium Federal Credit Union | Nova Credit Union |
|---|---|---|
| TellerScore | 53 | 79 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 17 | 81 (stronger) |
| Earnings | 26 | 34 (stronger) |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 12th | 76th |
| Total assets | $16.2M | $120.7M |
| Deposits / shares | $13.9M | $99.5M |
| Capital ratio | 13.76% | 17.65% (stronger) |
| Problem loans | 2.48% | 0.56% (stronger) |
| Net charge-offs | 0.57% | 0.35% (stronger) |
| Return on assets | 0.16% | 0.36% (stronger) |
| Loans ÷ deposits | 91.9% | 76.7% (stronger) |
| Uninsured deposits | 4.7% | 3.0% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nova Credit Union has the higher TellerScore (79 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lithium Federal Credit Union leads on 0 and Nova Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.