LITHIUM
Charter #11409 · BESSEMER CITY, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,619 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.11% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.88% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.73% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.60% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LITHIUM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.83M | 23th pct | 10th pct |
| Members | 1,619 | 29th pct | 16th pct |
| Net worth ratio | 14.07% | 53th pct | 66th pct |
| Return on average assets | 0.11% | 23th pct | 25th pct |
| Net interest margin | 4.88% | 89th pct | 75th pct |
| Cost of funds | 1.73% | 83th pct | 90th pct |
| Loan-to-share | 89.61% | 94th pct | 75th pct |
| Delinquency 60+ days | 2.60% | 91th pct | 87th pct |
| Net charge-off ratio | 0.59% | 75th pct | 72th pct |
| Loan growth YoY | 2.35% | 83th pct | 80th pct |
| Share growth YoY | -0.92% | 20th pct | 23th pct |
| Efficiency ratio | 90.72% | 74th pct | 64th pct |
structural peer set hash: 9b9587c4aff1b692b0f198a01e0630a2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.