LITHIUM
Charter #11409 | NC
<100M
(2596 CUs)
Micro
($0-$500M)
32 <100M in NC
LITHIUM has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 1.99% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,579
+3.1% YoY+1.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
42nd in tier |
| Assets |
$15.9M
+9.7% YoY+1.0% QoQ
|
$-13.9M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
43rd in tier |
| Loans |
$11.8M
+2.2% YoY+2.8% QoQ
|
$-3.9M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
55th in tier |
| Deposits |
$13.7M
+10.7% YoY+1.7% QoQ
|
$-11.8M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
0.6%
+149.9% YoY+30.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
39th in tier |
| NIM |
4.9%
+16.8% YoY+2.6% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 16.0% in tier |
| Efficiency Ratio |
83.4%
-7.4% YoY-1.6% QoQ
|
+2.0% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
62nd in tier |
| Delinquency Rate |
1.2%
-8.3% YoY-51.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
86.7%
-7.6% YoY+1.0% QoQ
|
+25.5% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$16,152
+3.4% YoY+0.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
63rd in tier |
| CD Concentration |
21.4%
-14.8% YoY+3.2% QoQ
|
-3.0% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
201
Deposit Growth Rate
growth
Value:
10.69%
Peer Avg: 16.80%
#201 of 2596
Top 7.7% in <100M tier
236
Asset Growth Rate
growth
Value:
9.66%
Peer Avg: 1.82%
#236 of 2596
Top 9.1% in <100M tier
307
Member Growth Rate
growth
Value:
3.14%
Peer Avg: 14.92%
#307 of 2596
Top 11.8% in <100M tier
373
Loan-to-Share Ratio
balance_sheet
Value:
86.75%
Peer Avg: 61.23%
#373 of 2596
Top 14.3% in <100M tier
415
Net Interest Margin (NIM)
profitability
Value:
4.92%
Peer Avg: 3.93%
#415 of 2596
Top 15.9% in <100M tier
561
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,503
Peer Avg: $5,488
#561 of 2596
Top 21.6% in <100M tier
Top Weaknesses (0 metrics)
No weakness rankings available