N.I.C.E.
Charter #24039 · Geneva, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 352 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.42% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 8th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | N.I.C.E. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.61M | 36th pct | 8th pct |
| Members | 352 | 30th pct | 5th pct |
| Net worth ratio | 7.42% | 5th pct | 5th pct |
| Return on average assets | 0.26% | 44th pct | 52th pct |
| Net interest margin | 4.78% | 73th pct | 67th pct |
| Cost of funds | 0.98% | 65th pct | 61th pct |
| Loan-to-share | 70.36% | 64th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -3.02% | 61th pct | 57th pct |
| Share growth YoY | -5.78% | 14th pct | 13th pct |
| Efficiency ratio | 95.36% | 65th pct | 54th pct |
structural peer set hash: c3a183fcb1adc27bda8ddbc063c5780c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.