Nickel Steel Federal Credit Union (NCUA charter #9000) is based in Lima, Ohio. Its Q2 2026 call report shows $5.2M in total assets and $3.5M in member shares and deposits and 1 office.
Nickel Steel Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 76th. Capital cushion contributes the most (100/100, 33.12%); earnings contributes the least (0/100, -1.10%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (90 → 76), mostly because the earnings component weakened by 63 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 76 |
| Q4 2024 | 96 |
| Q1 2025 | 92 |
| Q2 2025 | 90 |
| Q3 2025 | 70 |
| Q4 2025 | 66 |
| Q1 2026 | 63 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 23.99% |
| Q3 2024 | 27.63% |
| Q4 2024 | 31.49% |
| Q1 2025 | 31.16% |
| Q2 2025 | 31.59% |
| Q3 2025 | 31.76% |
| Q4 2025 | 32.88% |
| Q1 2026 | 32.57% |
| Q2 2026 | 33.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.85% |
| Q3 2024 | 2.72% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.18% |
| Q3 2025 | 2.43% |
| Q4 2025 | 5.21% |
| Q1 2026 | 2.62% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.14% |
| Q3 2024 | 2.20% |
| Q4 2024 | 2.34% |
| Q1 2025 | 1.42% |
| Q2 2025 | 1.08% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.20% |
| Q1 2026 | 0.26% |
| Q2 2026 | -1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $5.2M | 33.12% | 0.42% | -1.10% | 63.2% |
| Q1 2026 | 63 | $5.4M | 32.57% | 2.62% | 0.26% | 62.3% |
| Q4 2025 | 66 | $5.4M | 32.88% | 5.21% | 1.20% | 65.0% |
| Q3 2025 | 70 | $5.5M | 31.76% | 2.43% | 0.92% | 62.8% |
| Q2 2025 | 90 | $5.5M | 31.59% | 0.18% | 1.08% | 64.8% |
| Q1 2025 | 92 | $5.5M | 31.16% | 0.28% | 1.42% | 66.4% |
| Q4 2024 | 96 | $5.4M | 31.49% | 0.29% | 2.34% | 72.7% |
| Q3 2024 | 76 | $6.1M | 27.63% | 2.72% | 2.20% | 60.8% |
| Q2 2024 | 73 | $6.9M | 23.99% | 3.85% | 2.14% | 52.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |
| St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH | 79 out of 100, Strong | $5.9M | 12.7% | 0.00% | vs |
| W T Community Federal Credit UnionCredit union Cincinnati, OH | 66 out of 100, Moderate | $4.6M | 9.8% | 0.09% | vs |
| Nueva Esperanza Community Credit UnionCredit union Toledo, OH | 68 out of 100, Moderate | $4.5M | 47.8% | 2.79% | vs |
| Columbiana County School Empl Credit UnionCredit union Lisbon, OH | 74 out of 100, Strong | $6.0M | 25.4% | 0.65% | vs |
| McDonald Community Federal Credit UnionCredit union Mc Donald, OH | 79 out of 100, Strong | $4.4M | 12.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Nickel Steel Federal Credit Union?
Yes. Nickel Steel Federal Credit Union is a federally insured credit union (NCUA charter #9000). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 33.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Nickel Steel Federal Credit Union lists 1 office in 1 city. Most locations:
- Lima, OH (1)
Identity & history
Profile
- Legal name
- Nickel Steel Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9000
- RSSD ID
- 275581
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 1067 S. Main St., Lima, OH 45804
- Employees
- 3
Quick answers
Nickel Steel Federal Credit Union: common questions
Is Nickel Steel Federal Credit Union NCUA insured?
Yes. Nickel Steel Federal Credit Union is a federally insured credit union (NCUA charter #9000). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Nickel Steel Federal Credit Union's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Nickel Steel Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lima
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Ottoville Bank CompanyBank Ottoville, OH | 95 out of 100, Very strong | $93.8M | 21.4% | 0.00% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| M G Employees Federal Credit UnionCredit union Marysville, OH | 89 out of 100, Very strong | $2.1M | 37.0% | 0.00% | vs |
| The Peoples Bank Co.Bank Coldwater, OH | 85 out of 100, Very strong | $859.2M | 11.9% | 0.13% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |
| First National Bank in New BremenBank New Bremen, OH | 78 out of 100, Strong | $467.1M | 10.8% | 0.17% | vs |