Credit union · NCUA insured
Lion's Share Federal Credit Union
Top CarrotA $65.9M credit union headquartered in Salisbury, NC, with 12,578 members and 1 branch in North Carolina. Best rates: CDs 1.56% and savings 1.25% APY.
Lion's Share Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#11 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lion's Share Federal Credit Union
Lion's Share Federal Credit Union is a financial cooperative established in 1982 as Food Lion Credit Association CU.
Headquartered in Salisbury, North Carolina, the credit union is governed by a board of directors elected by its member-owners.
- Headquarters
- 850 Harrison Rd, Salisbury, NC 28147-9021
- NCUA charter
- 24813
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not qualifying through partner employers can become eligible for membership by making a $15 donation to the Carolinas Credit Union League Foundation.
Employers and groups
- Open to all employees and retirees of Ahold Delhaize USA, Food Lion, and GIANT Food Stores.
- Open to employees of partner employers participating in the Select Employer Group (SEG) program.
Family and household
- Open to immediate family members of Ahold Delhaize USA, Food Lion, and GIANT Food Stores employees and retirees.
Cost to join
- Opening a Membership Savings Account with a $25 deposit is required to complete the membership application and become an owner.
- A $15 donation to the Carolinas Credit Union League Foundation provides eligibility for membership for those who do not qualify through partner employers.
Branches
1 branch in North Carolina
Loading map…
North Carolina
1 branch
- HeadquartersMain office850 Harrison Rd, Salisbury, NC 28147Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Significantly undercapitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 3.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.26% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio3.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.26%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lion's Share Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.