Lithium Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 0.0. A current level of 6.1 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Consumer loans (40%), securities (5%), other (55%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1111 Bessemer City
Bessemer City, NC 28016
Bessemer City, NC 28016
Phone Number
(704) 868-0890
NCUA Charter Number
Website
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