BlastPoint's Credit Union Scorecard

NOVA

Charter #63425 · NC

100M-500M

1070 CUs in 100M-500M nationally 13 in NC

NOVA has 6 strengths but faces 5 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 0.30% above tier average
+ Fee Income Per Member: Top 4.8% in tier
+ Net Worth Ratio: Top 5.9% in tier
+ Share Certificate Concentration (%): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 13.84% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	11,107 +0.7% YoY+0.5% QoQ	-4.0K	15,145 -2.5% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	38%
Assets	$120.6M -0.9% YoY-0.0% QoQ	$-111.1M	$231.7M +0.8% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	Bottom 13.6% in tier
Loans	$76.9M +3.9% YoY+0.2% QoQ	$-67.3M	$144.1M +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	22%
Deposits	$100.2M -1.5% YoY+0.6% QoQ	$-100.9M	$201.1M +0.4% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	Bottom 10.7% 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% +21.8% QoQ	-0.3%	0.7% +5.1% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	29%
NIM	3.9% +7.5% YoY+0.6% QoQ	+0.3%	3.6% +4.6% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	91.9% -3.6% YoY+0.9% QoQ	+13.8%	78.0% -1.7% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	Bottom 11.6% in tier
Delinquency Rate	0.4% -37.1% YoY+64.3% QoQ	-0.4	0.8% +7.1% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	33%
Loan To Share	76.7% +5.5% YoY-0.4% QoQ	+6.3%	70.4% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	60%
AMR	$15,941 +0.0% YoY-0.1% QoQ	$-9K	$24,918 +2.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	Bottom 12.4% in tier
CD Concentration	8.7% +6.5% YoY-1.5% QoQ	-15.6%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.2% -74.8% YoY-40.3% QoQ	-13.6%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#343 of 371 • 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): 0.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.19%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#338 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.40%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.19%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#106 of 596 • 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: 91.86%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.37% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.73%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Liquidity Overhang

risk

#87 of 126 • 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: 17.58%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 76.70%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Deposit Outflow

decline

#69 of 72 • 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): -1.53%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.73%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | 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 1070 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $300.38

Peer Median: $154.95

#52 of 1070 Top 4.8% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.58%

Peer Median: 11.45%

#64 of 1070 Top 5.9% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.65%

Peer Median: 23.10%

#92 of 1070 Top 8.5% in 100M-500M tier

Top Weaknesses (11 metrics)

956

Total Deposits

balance_sheet

Value: $100.20M

Peer Median: $171.29M

#956 of 1070 Bottom 10.7% in 100M-500M tier

947

Efficiency Ratio

profitability

Value: 91.86%

Peer Median: 78.68%

#947 of 1070 Bottom 11.6% in 100M-500M tier

941

Asset Growth Rate

growth

Value: -0.94%

Peer Median: 3.91%

#941 of 1070 Bottom 12.1% in 100M-500M tier

937

Deposit Growth Rate

growth

Value: -1.53%

Peer Median: 3.30%

#937 of 1070 Bottom 12.5% in 100M-500M tier

937

Average Member Relationship (AMR)

engagement

Value: $15,941

Peer Median: $22,931

#937 of 1070 Bottom 12.5% in 100M-500M tier

924

Total Assets

balance_sheet

Value: $120.65M

Peer Median: $196.57M

#924 of 1070 Bottom 13.7% in 100M-500M tier

915

Members Per Employee (MPE)

engagement

Value: 236.319

Peer Median: 309.176

#915 of 1070 Bottom 14.6% in 100M-500M tier

887

First Mortgage Concentration (%)

balance_sheet

Value: 47.63%

Peer Median: 29.47%

#887 of 1070 Bottom 17.2% in 100M-500M tier

846

AMR Growth Rate

growth

Value: 0.01%

Peer Median: 3.46%

#846 of 1070 Bottom 21.0% in 100M-500M tier

835

Total Loans

balance_sheet

Value: $76.86M

Peer Median: $121.41M

#835 of 1070 Bottom 22.1% in 100M-500M tier