NICKEL STEEL
Charter #9000 · lima, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 527 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 32.57% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.09% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 20th — a 26-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 | NICKEL STEEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.43M | 65th pct | 43th pct |
| Members | 527 | 45th pct | 20th pct |
| Net worth ratio | 32.57% | 88th pct | 79th pct |
| Return on average assets | 0.26% | 44th pct | 41th pct |
| Net interest margin | 5.09% | 79th pct | 80th pct |
| Cost of funds | 0.42% | 45th pct | 31th pct |
| Loan-to-share | 62.29% | 55th pct | 49th pct |
| Delinquency 60+ days | 2.62% | 74th pct | 72th pct |
| Net charge-off ratio | 0.00% | 22th pct | 10th pct |
| Loan growth YoY | -2.81% | 62th pct | 69th pct |
| Share growth YoY | -2.02% | 34th pct | 21th pct |
| Efficiency ratio | 95.78% | 66th pct | 67th pct |
structural peer set hash: afef61ee6e739b230f3a1d2a788c962f… (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.