BlastPoint's Credit Union Scorecard
NOBLE
Charter #24552 · CA
NOBLE has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 30.0% in tier
- + Emerging Performer: Top 91.5% in tier
- + Net Interest Margin 0.26% above tier average
- + Members Per Employee (MPE): Top 3.0% in tier
- + First Mortgage Concentration (%): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.7% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 4.38% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,086
+1.9% YoY+0.8% QoQ
|
+20.4K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$1.3B
+4.7% YoY+0.5% QoQ
|
$-370.5M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$843.5M
-2.0% YoY-1.9% QoQ
|
$-389.6M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$1.1B
+4.2% YoY-0.2% QoQ
|
$-355.2M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
0.7%
-16.8% YoY-5.2% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
3.5%
+7.8% YoY+3.0% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
78.4%
+5.6% YoY+1.6% QoQ
|
+4.4% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.8%
+29.4% YoY+20.8% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
76.7%
-6.0% YoY-1.7% QoQ
|
-8.5% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$16,313
-0.4% YoY-1.7% QoQ
|
$-13K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
19.7%
+0.6% YoY-0.6% QoQ
|
-9.3% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 12.4% in tier |
| Indirect Auto % |
41.0%
-5.9% YoY+7.9% QoQ
|
+22.2% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 10.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)