BlastPoint's Credit Union Scorecard
NOBLE
Charter #24552 · CA
NOBLE has 4 strengths but faces 8 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
- + Emerging Performer: Top 49.3% in tier
- + Net Interest Margin 0.06% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
- + First Mortgage Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.4% in tier
- - Credit Quality Pressure: Bottom 27.4% in tier
- - Shrinking Wallet Share: Bottom 83.4% in tier
- - Efficiency ratio 0.25% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,649
+1.7% YoY+1.1% QoQ
|
+25.6K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$1.5B
+11.3% YoY+6.0% QoQ
|
$-225.9M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$839.7M
-3.4% YoY-0.1% QoQ
|
$-374.1M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$1.1B
+3.3% YoY+1.0% QoQ
|
$-326.0M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.7%
-19.1% YoY-2.7% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.4%
-0.0% YoY-1.5% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
74.9%
-0.1% YoY-4.2% QoQ
|
+0.2% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.7%
+23.5% YoY-11.4% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
73.7%
-6.5% YoY-1.1% QoQ
|
-9.5% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$16,270
-1.3% YoY-0.6% QoQ
|
$-13K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.6% in tier |
| CD Concentration |
18.6%
-9.5% YoY+0.6% QoQ
|
-10.2% | 28.8% | 21.6% | 19.8% | Bottom 11.0% in tier |
| Indirect Auto % |
40.3%
+3.7% YoY-1.1% QoQ
|
+22.2% | 18.1% | 9.0% | 7.7% | Bottom 10.2% in tier |
Signature Analysis
Strengths (1)
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 (3)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)