BlastPoint's Credit Union Scorecard
NODA
Charter #4461 · LA
NODA has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 27.45% above tier (higher cost structure)
- - Delinquency rate 3.41% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
- - Loan Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,904
-1.9% YoY-0.6% QoQ
|
+288 |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$34.2M
+1.0% YoY+2.1% QoQ
|
+$4.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$11.2M
-15.9% YoY-5.4% QoQ
|
$-4.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$28.4M
+1.1% YoY+3.1% QoQ
|
+$2.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
-0.4%
-78.8% YoY+187.1% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.9% in tier |
| NIM |
3.4%
+4.6% YoY-0.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
110.0%
+11.3% YoY+6.4% QoQ
|
+27.4% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
5.0%
+193.1% YoY+48.1% QoQ
|
+3.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 6.2% in tier |
| Loan To Share |
39.4%
-16.8% YoY-8.2% QoQ
|
-21.3% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$13,648
-2.5% YoY+1.1% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
4.0%
+658.6% YoY+24.7% QoQ
|
-20.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)