BlastPoint's Credit Union Scorecard
NOVO
Charter #15784 · CA
NOVO demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 1.52% above tier average
- + Asset Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,290
+2.2% YoY+0.8% QoQ
|
-325 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$19.8M
+9.8% YoY+8.5% QoQ
|
$-10.3M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$12.9M
-0.7% YoY+4.3% QoQ
|
$-2.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$16.7M
-1.1% YoY-1.7% QoQ
|
$-9.0M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.0%
-50.4% YoY-2.9% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
5.5%
-7.8% YoY-4.0% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
82.0%
+19.0% YoY-1.1% QoQ
|
-0.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.4%
+224.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
77.5%
+0.4% YoY+6.1% QoQ
|
+16.9% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$12,925
-3.1% YoY+0.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
4.6%
-55.0% YoY-49.9% QoQ
|
-19.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)