NIKKEI
Charter #65059 · Gardena, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.11% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.26% sits at the 80th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 31st — a 39-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 | NIKKEI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $80.59M | 69th pct | 43th pct |
| Members | 3,779 | 24th pct | 31th pct |
| Net worth ratio | 14.36% | 65th pct | 66th pct |
| Return on average assets | 0.11% | 18th pct | 23th pct |
| Net interest margin | 2.97% | 16th pct | 34th pct |
| Cost of funds | 1.28% | 70th pct | 31th pct |
| Loan-to-share | 84.84% | 89th pct | 57th pct |
| Delinquency 60+ days | 1.26% | 79th pct | 80th pct |
| Net charge-off ratio | 0.07% | 28th pct | 41th pct |
| Loan growth YoY | -4.48% | 22th pct | 8th pct |
| Share growth YoY | 1.43% | 34th pct | 52th pct |
| Efficiency ratio | 89.75% | 79th pct | 69th pct |
structural peer set hash: 54f8900e3c999c15c67f1758e751b0b2… (reproducible)
Closest structural peers
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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.