BlastPoint's Credit Union Scorecard
NODA
Charter #4461 · LA
NODA faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 29.04% above tier (higher cost structure)
- - Delinquency rate 2.59% above tier average
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +8.4% year over year ($30.0M in shares and deposits).
- Membership: 2,881 members, -1.4% vs a year ago.
- Delinquency rate 4.14%.
- Return on assets 1.28%.
- Efficiency ratio 117.80% vs a 88.77% peer average.
- Loan-to-share ratio 33.12% vs a 58.89% 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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,881
-1.4% YoY-0.4% QoQ
|
+295 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$35.8M
+6.6% YoY+4.4% QoQ
|
+$5.5M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$9.9M
-18.3% YoY-4.0% QoQ
|
$-5.5M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$30.0M
+8.4% YoY+4.6% QoQ
|
+$4.2M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
1.3%
+1070.5% YoY-173.9% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.0%
-12.9% YoY+2.7% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
117.8%
+21.0% YoY-11.9% QoQ
|
+29.0% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
4.1%
+31.0% YoY-29.7% QoQ
|
+2.6 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
33.1%
-24.6% YoY-8.3% QoQ
|
-25.8% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.5% in tier |
| AMR |
$13,845
+1.7% YoY+2.8% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
6.4%
+125.5% YoY+16.3% QoQ
|
-18.1% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)