# LITHIUM
BESSEMER CITY, NC · NCUA charter 11409 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lithium-11409

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 1,619 members of 33,000 potential (4.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.8M |
| Members | 1,619 (4.2% YoY) |
| Full-time staff | 5 |
| Net worth | $2.2M |
| Net worth ratio | 14.1% (p45 of band) |
| ROA (annualized) | 0.11% (p29 of band) |
| Total delinquency | 2.60% (p84 of band) |
| Net charge-offs (annualized) | 0.59% (p78 of band) |
| Loans / shares | 90% (p91 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.91% (p85 of band) |
| Operating expense / assets | 5.17% (p81 of band) |
| Vehicles % of loans | 42% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.42% (p83 of band) |
| Vehicle NCO | 0.47% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 22% |
| Average share balance | $4,948 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $9,532 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | losing money, delinquency rising |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | members leaving | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 4 | delinquency rising, assets shrinking |  |
| 2018-12 | 2 |  | members leaving, assets shrinking |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 3 | margin squeeze | losing money, delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency 2x band | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | net worth falling, delinquency rising |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 0 |  | delinquency 2x band |
| 2023-12 | 1 | delinquency 2x band |  |
| 2024-03 | 2 | margin squeeze |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 0 |  | delinquency 2x band, margin squeeze, net worth falling |
| 2024-12 | 1 | delinquency 2x band |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [Randy Eugene Causby Obituary (2026) - Gastonia, NC - Greene Funeral Service & Crematorium - South Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYmt2TFp0Znd6eFFPa05LdGcwZFVwbXpmUnkwc0RoTzBsVnRjZF9BclVkYzhVZ2E4TloxSG5nMVhqakY5RjVudXFCYkN5Mk16cVg2cWloOXdIWmxqUWNPOW0tWFVjTmUxSkVVQ3pyaXphcW9YMW5FUm92TmtOOGJCVA?oc=5) · legacy.com
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2025-04-14 [Outstanding Women in Business: Emily Averill, Truliant Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSnY5bUNEbVU3amJSZEl0T3hXUzl4V2h5UG1kREREelNFUGFtQUxrRkR6eWdHczU4am1jbW1KM2Rra3lmbDNWVndfUjJ1WEg1VTJpNVBsNjZXeFU0RFM2bFVsNlRINWVidjZIWlVCQlRHNUF1QW1JM25UVi12azlFWWhGdUZKU1ltb1A0cXRBVFQtZXpaYWdUaE84QTBBUFh6THYyYXJ3?oc=5) · The Business Journals
- 2023-05-31 [Counting Crows to Perform Intimate Show at the Troubadour in LA - SiriusXM](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9fU3JpZnYtQkRTV2VBcmRSYnVlZDdHUW1uZHNUbFUzcTFhbHdST3lNbHBYcDFZeVhMeFZRWE9pTjVIOUQwWmkxMGg1ZlUzUnVaYzVVYndNNUxCYmlCTWFGRzA0WWpuUQ?oc=5) · SiriusXM
- 2023-01-31 [Rob Zombie and Alice Cooper are Freaks on Parade this summer - SiriusXM Canada](https://news.google.com/rss/articles/CBMilAFBVV95cUxNeS1zNEZVQldDcWR2bVBZcjFENjd2OU1qbzNsWXg4cERIN0NmdTU3OENuS0Nuc0ktMnNXQ3llOWw4M1JuUkVYRHZKdUM0dExQXzl0OGRRUElHUkZNakh3d2FtZFd4SzdQQlpmcUQ0ZXZDUzZGNUN2b3RXS3ZVdEJkak0wZmhBNnhCV2xnVktxTlFycXd6?oc=5) · SiriusXM Canada
- 2021-12-03 [Lithium Ion Batteries Indirect Purchaser Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxQdnZoRjJRSGRlTnVYR19veWR6T0VUWFdacmFqT3RLOTJYcVBWaXRMSTFrUFRibUNZcmZ6NjRwejJjVnJBTmt3TThoejRFZ1Rua0hSUU53eXNOV0NENTRaUUd1VndWNGJpOEo5R0xMcWl3WEtWcjZ5OFNZdHRPYVNlbXRvcjBvZENsM2oyYVVHVDZDd1FMX3VmNnMzV0J5TFlTZzZIamF6ckhxZVVWZU1kcHdHdTVwYWlsbzY3RXJFeU5HY3ROdTJ6cXpyeE4?oc=5) · Top Class Actions
- 2021-08-20 [Lithium-Ion Battery Indirect Purchaser Antitrust Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPa2UzTkJjVEtvZGxCbkFUWWtRQ0NZWG9jSzV2MHpDaG5GUklzbnlXTXZTYk5NMHI1S2lTSWg3MzNqZDJuQUtSZVk1LWVYNDNtQ3lGNWliZmROdWd0bWJmR0N0UGtGTWZNalZvcVNUSzdIWklPZ1p4N2ZRX1BoQnNsckpBUndDZ0dDSXNDY0V6Yjc4Z1A3SHNOdzYzSlpQS2o5V3BBdVV4VWxNbjhKQmx2d3daU1dMS3ZZVHJONmFqY3dlY3JiWWEwV0RCSkVXa3o3WGVjQmdqSQ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11409 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "11409", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11409
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide