BlastPoint's Credit Union Scorecard
NOVA UA
Charter #13439 · NJ
NOVA UA has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
- + Total Delinquency Rate (60+ days): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 8.62% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Total Members: Bottom 1.4% in tier
- - Fee Income Per Member: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,691
-2.4% YoY-1.2% QoQ
|
-11.7K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$152.8M
+3.8% YoY+1.7% QoQ
|
$-79.0M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$101.4M
-0.0% YoY-1.9% QoQ
|
$-45.9M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$131.3M
+3.9% YoY+1.8% QoQ
|
$-69.5M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.4%
+36.1% YoY+0.2% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.4%
+12.1% YoY-0.2% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
85.6%
-3.5% YoY-0.0% QoQ
|
+8.6% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.2%
-91.2% YoY-1.2% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 8.9% in tier |
| Loan To Share |
77.2%
-3.8% YoY-3.6% QoQ
|
+5.0% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$63,057
+4.7% YoY+1.4% QoQ
|
+$38K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 1.1% in tier |
| CD Concentration |
47.7%
+4.5% YoY+0.7% QoQ
|
+23.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)