BlastPoint's Credit Union Scorecard
NOBLE
Charter #24552 · CA
NOBLE has 2 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
- + Members Per Employee (MPE): Top 1.7% in tier
- + First Mortgage Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.1% in tier
- - Credit Quality Pressure: Bottom 21.5% in tier
- - Efficiency ratio 0.58% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +4.7% year over year ($1.15B in shares and deposits).
- Membership: 119,198 members, +0.9% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 0.82%.
- Efficiency ratio 73.60% vs a 73.02% peer average.
- Loan-to-share ratio 72.36% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,198
+0.9% YoY-2.0% QoQ
|
+22.3K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$1.5B
+12.2% YoY+0.9% QoQ
|
$-217.5M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$834.0M
-3.0% YoY-0.7% QoQ
|
$-400.2M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$1.2B
+4.7% YoY+1.1% QoQ
|
$-310.8M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+16.0% YoY+19.4% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.5%
+1.5% YoY+1.5% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
73.6%
-4.6% YoY-1.7% QoQ
|
+0.6% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.8%
+30.9% YoY+14.7% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
72.4%
-7.3% YoY-1.8% QoQ
|
-12.4% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$16,666
+0.5% YoY+2.4% QoQ
|
$-13K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.0% in tier |
| CD Concentration |
18.7%
-5.7% YoY+0.3% QoQ
|
-10.4% | 29.1% | 22.2% | 20.0% | Bottom 10.9% in tier |
| Indirect Auto % |
39.7%
+4.5% YoY-1.4% QoQ
|
+21.6% | 18.1% | 9.2% | 7.7% | Bottom 10.1% in tier |
Signature Analysis
Strengths (0)
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)