Lion's Share Credit Union

Lion's Share Credit Union is headquartered in Salisbury and is the 48^th largest credit union in the state of North Carolina. It is also the 2,915^st largest credit union in the nation. It was established in 1982 and as of December of 2011, it had grown to 13 employees and 10,256 members. Lion's Share Credit Union's money market rates are 14% higher than the national average, and it has a 4-star health rating.

Lion's Share Credit Union Savings Account Rates

Lion's Share Credit Union Money Market Rates

Lion's Share Credit Union CD Rates

Data for Q4 2011

Institution Statistics LION'S SHARE NCUA # 24813 BankRate Report View Year Chartered 1982 Employees 13 Primary Regulator Assets and Liabilities Assets $30.45 million Loans $22.12 million Deposits $27.45 million Equity Capital $2.60 million Loan Loss Allowance $362,000 Unbacked Noncurrent Loans $527,000 Real Estate Owned $27,000 Historic Data - December 2010 Assets $28.78 million Equity Capital $2.48 million Loan Loss Allowance $248,000 Unbacked Noncurrent Loans $511,000 Real Estate Owned $27,000 Profit Margin - Quarterly Net Interest Margin 6.61% Return on Assets 0.37% Return on Equity 4.34% Interest Income $1.61 million Non-Interest Income $858,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Lion's Share Credit Union had $554,000 in non-current loans and owned real-estate with $2.96 million in equity and loan loss allowances on hand to cover it. This gives Lion's Share Credit Union a Texas Ratio of 18.68% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lion's Share Credit Union held steady from 19.71% as of December 31, 2010 to 18.68% as of December 31, 2011, resulting in a positive change of 5.22%.This indicates that the balance sheet and financial strength for Lion's Share Credit Union has held steady in recent periods. Deposit Growth In the past year, Lion's Share Credit Union has increased its total deposits by $1.45 million, resulting in 5.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lion's Share Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lion's Share Credit Union has $30.45 million in assets with $2.96 million in equity, resulting in a capitalization level of 9.74%, which is average.

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