BlastPoint's Credit Union Scorecard

NODA

Charter #4461 · LA

<100M

2508 CUs in <100M nationally 107 in LA

NODA faces 6 concerns requiring attention

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.88% below tier average
- Efficiency ratio 43.14% above tier (higher cost structure)
- Delinquency rate 4.38% above tier average
- Net Charge-Off Rate: Bottom 3.0% in tier
- Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- Loan Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	2,894 -1.7% YoY-0.3% QoQ	+217	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	66%
Assets	$34.2M +1.2% YoY-0.0% QoQ	+$4.0M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	64%
Loans	$10.3M -18.8% YoY-7.6% QoQ	$-4.9M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	53%
Deposits	$28.6M +1.8% YoY+0.7% QoQ	+$2.9M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	63%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.7% -310.2% YoY+323.2% QoQ	-1.9%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Bottom 5.4% in tier
NIM	2.9% -14.5% YoY-14.9% QoQ	-1.1%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	133.8% +67.1% YoY+21.6% QoQ	+43.1%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Bottom 4.1% in tier
Delinquency Rate	5.9% +40.1% YoY+18.4% QoQ	+4.4	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	Bottom 4.6% in tier
Loan To Share	36.1% -20.2% YoY-8.3% QoQ	-22.4%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	18%
AMR	$13,471 -3.0% YoY-1.3% QoQ	$-1K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	48%
CD Concentration	5.5% +174.4% YoY+36.4% QoQ	-18.8%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (8 metrics)

2433

Net Charge-Off Rate

risk

Value: 3.94%

Peer Median: 0.07%

#2433 of 2508 Bottom 3.0% in <100M tier

2407

Efficiency Ratio

profitability

Value: 133.77%

Peer Median: 81.45%

#2407 of 2508 Bottom 4.1% in <100M tier

2393

Total Delinquency Rate (60+ days)

risk

Value: 5.88%

Peer Median: 0.65%

#2393 of 2508 Bottom 4.6% in <100M tier

2373

Return on Assets (ROA)

profitability

Value: -1.74%

Peer Median: 0.61%

#2373 of 2508 Bottom 5.4% in <100M tier

2321

Loan Growth Rate

growth

Value: -18.79%

Peer Median: -2.36%

#2321 of 2508 Bottom 7.5% in <100M tier

2105

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.83%

#2105 of 2508 Bottom 16.1% in <100M tier

2064

Loan-to-Share Ratio

balance_sheet

Value: 36.11%

Peer Median: 58.72%

#2064 of 2508 Bottom 17.7% in <100M tier

1882

AMR Growth Rate

growth

Value: -2.99%

Peer Median: 1.27%

#1882 of 2508 Bottom 25.0% in <100M tier