BlastPoint's Credit Union Scorecard

NOVA

Charter #63425 · NC

100M-500M

1024 CUs in 100M-500M nationally 13 in NC

NOVA has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.22% above tier average
+ Fee Income Per Member: Top 6.2% in tier
+ Net Worth Ratio: Top 6.6% in tier
+ Share Certificate Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 16.10% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
Shares and deposits -0.8% year over year ($99.5M in shares and deposits).
Membership: 11,173 members, +1.2% vs a year ago.
Delinquency rate 0.56%.
Return on assets 0.36%.
Efficiency ratio 92.83% vs a 76.73% peer average.
Loan-to-share ratio 76.67% vs a 71.54% 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 (NC)	National Avg	Tier Percentile
Members	11,173 +1.2% YoY+0.6% QoQ	-4.0K	15,168 -2.6% YoY	91,933 +2.2% YoY	34,678 +6.6% YoY	39%
Assets	$120.7M -0.2% YoY+0.0% QoQ	$-111.3M	$232.0M +0.7% YoY	$1.6B +7.2% YoY	$593.1M +10.2% YoY	Bottom 13.7% in tier
Loans	$76.3M +0.8% YoY-0.8% QoQ	$-70.0M	$146.3M +0.2% YoY	$1.1B +5.6% YoY	$418.6M +10.1% YoY	21%
Deposits	$99.5M -0.8% YoY-0.7% QoQ	$-101.3M	$200.7M +0.2% YoY	$1.4B +7.1% YoY	$504.8M +10.3% YoY	Bottom 10.0% in tier

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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	0.4% +22.4% YoY-11.8% QoQ	-0.5%	0.9% +12.5% YoY	0.9% +189.6% YoY	1.2% +121.4% YoY	19%
NIM	3.9% +4.3% YoY-0.6% QoQ	+0.2%	3.7% +4.5% YoY	4.0% +0.2% YoY	3.8% +2.3% YoY	65%
Efficiency Ratio	92.8% -0.1% YoY+1.1% QoQ	+16.1%	76.7% -0.8% YoY	83.1% +0.7% YoY	83.0% -5.3% YoY	Bottom 7.0% in tier
Delinquency Rate	0.6% -3.7% YoY+34.1% QoQ	-0.3	0.9% +6.6% YoY	1.5% +12.0% YoY	1.3% +2.6% YoY	41%
Loan To Share	76.7% +1.6% YoY-0.0% QoQ	+5.1%	71.5% -0.3% YoY	74.9% +0.0% YoY	66.4% -1.4% YoY	56%
AMR	$15,726 -1.3% YoY-1.3% QoQ	$-9K	$25,107 +3.2% YoY	$17,976 +4.0% YoY	$20,028 -0.9% YoY	Bottom 11.8% in tier
CD Concentration	9.0% +9.2% YoY+4.5% QoQ	-15.5%	24.6%	21.4%	20.0%	50%
Indirect Auto %	0.1% -77.3% YoY-27.6% QoQ	-13.5%	13.6%	4.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#272 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.22%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#314 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.22%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.36%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#14 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.83%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Overhang

risk

#88 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.65%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 76.67%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Shrinking Wallet Share

decline

#172 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.32%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline

#80 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.80%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $287.20

Peer Median: $159.88

#65 of 1024 Top 6.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.65%

Peer Median: 11.71%

#69 of 1024 Top 6.6% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 9.04%

Peer Median: 23.39%

#92 of 1024 Top 8.9% in 100M-500M tier

Top Weaknesses (12 metrics)

953

Efficiency Ratio

profitability

Value: 92.83%

Peer Median: 77.26%

#953 of 1024 Bottom 7.0% in 100M-500M tier

922

Total Deposits

balance_sheet

Value: $99.46M

Peer Median: $170.77M

#922 of 1024 Bottom 10.1% in 100M-500M tier

903

Average Member Relationship (AMR)

engagement

Value: $15,726

Peer Median: $23,006

#903 of 1024 Bottom 11.9% in 100M-500M tier

903

Members Per Employee (MPE)

engagement

Value: 228.020

Peer Median: 310.924

#903 of 1024 Bottom 11.9% in 100M-500M tier

884

AMR Growth Rate

growth

Value: -1.32%

Peer Median: 3.53%

#884 of 1024 Bottom 13.8% in 100M-500M tier

884

Total Assets

balance_sheet

Value: $120.70M

Peer Median: $196.38M

#884 of 1024 Bottom 13.8% in 100M-500M tier

866

Deposit Growth Rate

growth

Value: -0.80%

Peer Median: 3.58%

#866 of 1024 Bottom 15.5% in 100M-500M tier

861

Asset Growth Rate

growth

Value: -0.23%

Peer Median: 4.12%

#861 of 1024 Bottom 16.0% in 100M-500M tier

837

First Mortgage Concentration (%)

balance_sheet

Value: 46.42%

Peer Median: 29.92%

#837 of 1024 Bottom 18.4% in 100M-500M tier

833

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.75%

#833 of 1024 Bottom 18.8% in 100M-500M tier