Lion'S Share Federal Credit Union is a federal credit union headquartered in Salisbury, North Carolina, in business for about 44 years. At the end of Q2 2026 it reported $64.7M in total assets and $62.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Lion'S Share Federal Credit Union scores 32/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 55th. Its strongest component is funding & liquidity (75/100; 86% loans-to-deposits, 11% uninsured), and its lowest is capital cushion (0/100; 3.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (19 → 32), mostly because the loan quality component improved by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 22 |
| Q3 2024 | 21 |
| Q4 2024 | 21 |
| Q1 2025 | 19 |
| Q2 2025 | 19 |
| Q3 2025 | 32 |
| Q4 2025 | 27 |
| Q1 2026 | 32 |
| Q2 2026 | 32 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.57% |
| Q3 2024 | 7.93% |
| Q4 2024 | 8.15% |
| Q1 2025 | 6.38% |
| Q2 2025 | 6.52% |
| Q3 2025 | 4.77% |
| Q4 2025 | 3.53% |
| Q1 2026 | 3.10% |
| Q2 2026 | 3.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.55% |
| Q3 2024 | 5.12% |
| Q4 2024 | 5.67% |
| Q1 2025 | 2.80% |
| Q2 2025 | 3.05% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.10% |
| Q3 2024 | -1.68% |
| Q4 2024 | -1.82% |
| Q1 2025 | -5.93% |
| Q2 2025 | -2.82% |
| Q3 2025 | -4.82% |
| Q4 2025 | -4.58% |
| Q1 2026 | -0.61% |
| Q2 2026 | -0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 32 | $64.7M | 3.23% | 1.26% | -0.17% | 85.6% |
| Q1 2026 | 32 | $65.9M | 3.10% | 1.05% | -0.61% | 84.4% |
| Q4 2025 | 27 | $60.8M | 3.53% | 1.31% | -4.58% | 93.8% |
| Q3 2025 | 32 | $61.3M | 4.77% | 0.98% | -4.82% | 91.1% |
| Q2 2025 | 19 | $64.7M | 6.52% | 3.05% | -2.82% | 83.6% |
| Q1 2025 | 19 | $65.3M | 6.38% | 2.80% | -5.93% | 79.0% |
| Q4 2024 | 21 | $62.9M | 8.15% | 5.67% | -1.82% | 87.7% |
| Q3 2024 | 21 | $70.6M | 7.93% | 5.12% | -1.68% | 81.7% |
| Q2 2024 | 22 | $71.2M | 8.57% | 5.55% | -1.10% | 84.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Electel CooperativeCredit union Raleigh, NC | 72 out of 100, Strong | $68.2M | 12.7% | 0.37% | vs |
| Acclaim Federal Credit UnionCredit union Greensboro, NC | 78 out of 100, Strong | $60.4M | 12.9% | 0.44% | vs |
| Vision Financial Federal Credit UnionCredit union Durham, NC | 94 out of 100, Very strong | $59.5M | 16.8% | 0.00% | vs |
| Charlotte Fire Department Credit UnionCredit union Charlotte, NC | 74 out of 100, Strong | $56.0M | 14.0% | 1.59% | vs |
| Telco Credit UnionCredit union Tarboro, NC | 35 out of 100, Low | $51.3M | 12.5% | 6.00% | vs |
| Healthshare Credit UnionCredit union Greensboro, NC | 72 out of 100, Strong | $50.5M | 13.3% | 0.33% | vs |
Deposit insurance
Is my money safe at Lion'S Share Federal Credit Union?
Yes. Lion'S Share Federal Credit Union is a federally insured credit union (NCUA charter #24813). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 11.4% of shares and deposits ($7.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 3.23%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Lion'S Share Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Charlotte, NC (1)
- Salisbury, NC (1)
Identity & history
Profile
- Legal name
- Lion'S Share Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24813
- RSSD ID
- 618197
- Primary regulator
- NCUA
- Established
- 1982
- Headquarters
- P.O. Box 278, Salisbury, NC 28145
- Employees
- 23
Quick answers
Lion'S Share Federal Credit Union: common questions
Is Lion'S Share Federal Credit Union NCUA insured?
Yes. Lion'S Share Federal Credit Union is a federally insured credit union (NCUA charter #24813). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Lion'S Share Federal Credit Union's TellerScore?
32 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Lion'S Share Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Salisbury
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| BlueHarbor BankBank Mooresville, NC | 82 out of 100, Strong | $628.4M | 11.8% | 0.00% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |