N.I.C.E. Federal Credit Union

Credit UnionFCUGeneva, IL·Est. 1983·NCUA #24039Compare ⇄▤ Account brief

Total assets

$2.6M

▲ +7.6% YoY

Shares & deposits

$2.4M

▲ +8.3% YoY

Loans

$1.7M

▲ +1.7% YoY

Members

352

▼ -1.7% YoY

ROA (annualized)

0.25%

peers 0.60%

ROE (annualized)

3.43%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+7.6%	+1.3%	+6.3 pts
Share growth (YoY)	+8.3%	+0.7%	+7.6 pts
Loan growth (YoY)	+1.7%	-2.4%	+4.0 pts
ROA	0.25%	0.60%	-0.4 pts
ROE	3.4%	4.1%	-0.7 pts

ROA ranks in the 33rd percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$2.6M	$2.4M	$1.7M	$194K	$2K	0.25%	4.69%	0.00%	352
Q4 2025	$2.5M	$2.3M	$1.7M	$192K	$986	0.04%	5.30%	0.23%	357
Q3 2025	$2.8M	$2.6M	$1.8M	$193K	$2K	0.10%	4.84%	0.28%	357
Q2 2025	$2.4M	$2.3M	$1.7M	$192K	$742	0.06%	5.29%	2.37%	358
Q1 2025	$2.4M	$2.2M	$1.7M	$193K	$2K	0.26%	5.03%	0.00%	358
Q4 2024	$2.3M	$2.1M	$1.6M	$191K	$1K	0.05%	5.54%	0.00%	357
Q3 2024	$2.3M	$2.1M	$1.6M	$191K	$823	0.05%	5.54%	0.56%	360
Q2 2024	$2.3M	$2.1M	$1.6M	$190K	$458	0.04%	5.45%	0.55%	360

Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $203K

Thin capital·Net worth ratio 7.42% — Near the regulatory minimum; regulators watching, discretionary spend frozen

Earlier quarters (7)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.25%	0.60%	33th
Return on equity Annualized net income ÷ equity or net worth	3.4%	4.1%	45th
Net interest margin Interest income − interest expense, ÷ assets	4.69%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%