BlastPoint's Credit Union Scorecard
NOBLE
Charter #24552 · CA
NOBLE has 6 strengths but faces 6 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 86.6% in tier
- + Emerging Performer: Top 86.8% in tier
- + ROA 0.02% above tier average
- + Net Interest Margin 0.20% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
- + First Mortgage Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.2% in tier
- - Credit Quality Pressure: Bottom 21.9% in tier
- - Efficiency ratio 4.12% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120,278
+2.2% YoY+1.0% QoQ
|
+22.8K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$1.4B
+9.9% YoY+4.5% QoQ
|
$-313.3M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$840.4M
-1.5% YoY-0.4% QoQ
|
$-394.0M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$1.1B
+7.2% YoY+2.6% QoQ
|
$-331.1M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.7%
-10.9% YoY+5.4% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.5%
+5.5% YoY-1.3% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
78.2%
+4.4% YoY-0.2% QoQ
|
+4.1% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.8%
+58.4% YoY+6.5% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
74.5%
-8.1% YoY-2.9% QoQ
|
-10.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$16,368
+1.0% YoY+0.3% QoQ
|
$-13K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.0% in tier |
| CD Concentration |
18.5%
-7.3% YoY-5.9% QoQ
|
-10.6% | 29.0% | 21.7% | 19.8% | Bottom 11.2% in tier |
| Indirect Auto % |
40.7%
+2.6% YoY-0.6% QoQ
|
+22.4% | 18.3% | 9.2% | 7.8% | Top 9.3% 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)