Lion's Share
Salisbury, NC · Charter 24813 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$64.7MAssets
$53.2MLoans
$62.2MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 77 of 1683).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1679 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.17%
Rank 1,529 of 1,683
Net Interest Margin
5.45%
Rank 77 of 1,683
Efficiency Ratio
81.90%
Rank 1,029 of 1,682
Equity / Assets
3.23%
Rank 1,679 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.17% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,529 / 1,683 | |
| Return on Equity | -5.36% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,594 / 1,681 | |
| Net Interest Margin | 5.45% | 3.31% | 3.82% | 4.32% | Beats 95% | 77 / 1,683 | |
| Efficiency Ratio | 81.90% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,029 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,253 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 3.23% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,679 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 3.23% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,679 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.62% | 52.61% | 69.38% | 83.50% | 79th pctl | 356 / 1,683 | |
| Loans / Assets | 82.32% | 44.71% | 59.18% | 70.72% | 94th pctl | 93 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |