Lithium Federal Credit Union (NCUA charter #11409) is based in Bessemer City, North Carolina. Its Q2 2026 call report shows $16.2M in total assets and $13.9M in member shares and deposits and 1 office.
Lithium Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 48th. Capital cushion contributes the most (88/100, 13.76%); loan quality contributes the least (17/100, 2.48%).
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 fell 4 points (57 → 53), mostly because the earnings component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 68 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 57 |
| Q3 2025 | 70 |
| Q4 2025 | 52 |
| Q1 2026 | 53 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.97% |
| Q3 2024 | 14.77% |
| Q4 2024 | 14.53% |
| Q1 2025 | 13.76% |
| Q2 2025 | 13.89% |
| Q3 2025 | 13.95% |
| Q4 2025 | 13.88% |
| Q1 2026 | 14.07% |
| Q2 2026 | 13.76% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.23% |
| Q2 2025 | 2.49% |
| Q3 2025 | 1.21% |
| Q4 2025 | 2.99% |
| Q1 2026 | 2.60% |
| Q2 2026 | 2.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $16.2M | 13.76% | 2.48% | 0.16% | 91.9% |
| Q1 2026 | 53 | $15.8M | 14.07% | 2.60% | 0.11% | 89.6% |
| Q4 2025 | 52 | $16.0M | 13.88% | 2.99% | 0.53% | 88.8% |
| Q3 2025 | 70 | $15.9M | 13.95% | 1.21% | 0.55% | 86.7% |
| Q2 2025 | 57 | $15.8M | 13.89% | 2.49% | 0.43% | 85.9% |
| Q1 2025 | 68 | $15.8M | 13.76% | 1.23% | 0.41% | 84.4% |
| Q4 2024 | 65 | $14.9M | 14.53% | 1.58% | 0.24% | 91.3% |
| Q3 2024 | 68 | $14.5M | 14.77% | 1.32% | 0.23% | 93.9% |
| Q2 2024 | 65 | $15.3M | 13.97% | 1.40% | 0.21% | 87.1% |
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 |
|---|---|---|---|---|---|
| Tcp Credit UnionCredit union Rural Hall, NC | 73 out of 100, Strong | $15.9M | 17.0% | 1.23% | vs |
| Greensboro Postal Credit UnionCredit union Greensboro, NC | 53 out of 100, Below average | $15.6M | 34.3% | 5.89% | vs |
| Greater Kinston Credit UnionCredit union Kinston, NC | 57 out of 100, Moderate | $14.3M | 12.4% | 1.28% | vs |
| Internal Revenue Employees Federal Credit UnionCredit union Greensboro, NC | 80 out of 100, Strong | $12.2M | 29.4% | 0.75% | vs |
| North Carolina Press Association Federal Credit UnionCredit union Raleigh, NC | 75 out of 100, Strong | $12.0M | 18.8% | 2.76% | vs |
| Guco Credit UnionCredit union Greenville, NC | 81 out of 100, Strong | $10.2M | 17.8% | 0.13% | vs |
Deposit insurance
Is my money safe at Lithium Federal Credit Union?
Yes. Lithium Federal Credit Union is a federally insured credit union (NCUA charter #11409). 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 4.7% of shares and deposits ($661K) 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 13.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Lithium Federal Credit Union lists 1 office in 1 city. Most locations:
- Bessemer City, NC (1)
Identity & history
Profile
- Legal name
- Lithium Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11409
- RSSD ID
- 974389
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- P.O. Box 605, Bessemer City, NC 28016
- Employees
- 6
Quick answers
Lithium Federal Credit Union: common questions
Is Lithium Federal Credit Union NCUA insured?
Yes. Lithium Federal Credit Union is a federally insured credit union (NCUA charter #11409). 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 Lithium Federal Credit Union's TellerScore?
53 out of 100 (Below average), 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 Lithium Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bessemer City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| First Federal Savings Bank of LincolntonBank Lincolnton, NC | 79 out of 100, Strong | $485.8M | 17.6% | 0.46% | 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 |