Federal credit union · lima, Ohio · NCUA charter #9000
Nickel Steel
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $5.4M
- Total assets
- 524
- Members
- 32.6%
- Net-worth ratio
Nickel Steel scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.4M; members 524; net-worth ratio 32.57%; health rank #3,900 of 4,374; healthier than 10th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,900 of 4,374 health · 2025Q4Nickel Steel · health 64/100 · $5.4M · 2025Q4
Call Report peers
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Nickel Steel vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Nickel Steel sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Nickel Steel
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +13.51 pp (32.57% vs 19.06%).
- Widest shortfall vs peers is Delinquency Rate: +3.40 pp (5.21% vs 1.81%).
Nickel Steel: in-state Call Report ranks
- Health composite ranks #169 of 196 among scored Ohio credit unions.
- By total assets, Nickel Steel is #178 of 196 in Ohio.
- Ohio membership ordinal: #185 of 196.
- One place up in Ohio, Ohio Valley (#168) scores 66/100, 2 points higher; one place down, Morrow County (#170) scores 63/100, 1 point lower.
Nickel Steel Call Report trajectory
Nickel Steel: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $5.4M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.31 pp (32.88% → 32.57%).
This credit union's 32.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
Nickel Steel gives up 36 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 13.7 pts
Nickel Steel vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.57% | +13.51 pp |
| Delinquency Rate | 5.21% | +3.40 pp |
| Return on Assets | 2.35% | +1.90 pp |
| Member Growth | -2.06% | - |
| Loan-to-Share Ratio | 65.05% | +1.45 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $5.4M | 524 |
| 2024Q4 | $5.4M | 535 |
| 2023Q4 | $6.7M | 554 |
Credit Union Details
- Charter Number
- 9000
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- lima
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Nickel Steel runs one office.
| Office | City |
|---|---|
| nickel steel fcu (Main Office) | lima, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Nickel Steel
Similar health score
Using this data
- Nickel Steel ranks #3,900 of 4,374 nationally on financial health and #169 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Paschal Baylons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Paschal Baylons
Frequently Asked Questions
Is Nickel Steel financially healthy?
On its 2025Q4 NCUA 5300 filing, Nickel Steel scores 64/100 (Good), with a 32.57% net worth ratio and 5.21% of loans delinquent. It ranks #3,900 of 4,374 nationally on health and #169 of 196 in Ohio.
How does Nickel Steel compare to other credit unions?
Nickel Steel scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (32.57% vs 19.06%). Its widest shortfall is delinquency rate (5.21% vs 1.81%).
How can I join Nickel Steel?
Nickel Steel operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Nickel Steel directly for the exact boundaries and application steps.
Is my money safe at Nickel Steel?
Nickel Steel is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Nickel Steel's net worth ratio of 32.57% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.