Nickel Steel
Lima, OH · Charter 9000 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.2MAssets
$2.2MLoans
$3.5MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 35 of 1683).
- Widest gap: return on assets trails 96% of credit unions under $1B in assets (rank 1620 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-1.11%
Rank 1,620 of 1,683
Net Interest Margin
5.34%
Rank 90 of 1,683
Efficiency Ratio
88.89%
Rank 1,343 of 1,682
Equity / Assets
33.12%
Rank 35 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.11% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,620 / 1,683 | | |
| Return on Equity | -3.34% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,575 / 1,681 | | |
| Net Interest Margin | 5.34% | 3.31% | 3.82% | 4.32% | Beats 95% | 90 / 1,683 | | |
| Efficiency Ratio | 88.89% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,343 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 584 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 33.12% | 10.44% | 12.89% | 16.53% | Beats 98% | 35 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 33.12% | 10.44% | 12.89% | 16.53% | Beats 98% | 35 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.20% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,015 / 1,683 | | |
| Loans / Assets | 42.12% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,319 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |