NOBLE

Charter #24552 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

NOBLE has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 15.7% in tier
  • + Organic Growth Engine: Top 30.0% 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
 71st in tier
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
 34th in tier
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
 Bottom 19.1% in tier
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
 31st in tier
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
 51st in tier
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
 67th in tier
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
 65th in tier
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
 56th in tier
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
 Bottom 25.0% in tier
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%
+0.8% 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%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 10.6% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#84 of 184 • Top 15.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.67%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#218 of 246 • Top 30.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.67%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 40.98%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#36 of 202 • Bottom 5.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.66%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 40.98%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY

Credit Quality Pressure

risk
#81 of 217 • Bottom 10.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.17% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

10
Members Per Employee (MPE)
engagement
Value: 541.300
Peer Avg: 364.953
#10 of 304 Top 3.0% in 1B-3B tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 13.57%
Peer Avg: 34.01%
#18 of 304 Top 5.6% in 1B-3B tier
41
Share Certificate Concentration (%)
balance_sheet
Value: 19.66%
Peer Avg: 28.53%
#41 of 304 Top 13.2% in 1B-3B tier

Top Weaknesses (7 metrics)

296
Average Member Relationship (AMR)
engagement
Value: $16,313
Peer Avg: $29,172
#296 of 304 Bottom 3.0% in 1B-3B tier
295
Loan-to-Member Ratio (LMR)
engagement
Value: $7,083
Peer Avg: $13,213
#295 of 304 Bottom 3.3% in 1B-3B tier
276
Indirect Auto Concentration (%)
balance_sheet
Value: 40.98%
Peer Avg: 18.32%
#276 of 304 Bottom 9.5% in 1B-3B tier
260
Loan Growth Rate
growth
Value: -2.02%
Peer Avg: 5.27%
#260 of 304 Bottom 14.8% in 1B-3B tier
259
Fee Income Per Member
profitability
Value: $142.10
Peer Avg: $210.52
#259 of 304 Bottom 15.1% in 1B-3B tier
246
Total Loans
balance_sheet
Value: $843.46M
Peer Avg: $1.23B
#246 of 304 Bottom 19.4% in 1B-3B tier
236
AMR Growth Rate
growth
Value: -0.44%
Peer Avg: 3.29%
#236 of 304 Bottom 22.7% in 1B-3B tier