BlastPoint's Credit Union Scorecard

NOVA

Charter #63425 · NC

1069 CUs in 100M-500M nationally 13 in NC

NOVA has 4 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

+ Net Interest Margin 0.30% above tier average
+ Fee Income Per Member: Top 5.5% in tier
+ Net Worth Ratio: Top 7.5% in tier
+ Share Certificate Concentration (%): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.5% in tier
- Liquidity Overhang: Bottom 70.9% in tier
- Deposit Outflow: Bottom 98.5% in tier
- ROA 0.43% below tier average
- Efficiency ratio 14.02% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	11,048 +0.2% YoY+0.6% QoQ	-4.4K	15,437 -2.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	36%
Assets	$120.7M +0.3% YoY+2.6% QoQ	$-111.2M	$231.9M +1.3% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	Bottom 13.8% in tier
Loans	$76.7M +6.0% YoY+1.8% QoQ	$-70.7M	$147.3M -0.1% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	20%
Deposits	$99.6M -1.0% YoY+2.3% QoQ	$-101.3M	$200.8M +0.8% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	Bottom 9.9% 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	0.3% +228.2% YoY-11.0% QoQ	-0.4%	0.8% +18.2% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	20%
NIM	3.9% +6.0% YoY+1.2% QoQ	+0.3%	3.6% +6.7% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	91.0% -1.0% YoY-0.0% QoQ	+14.0%	77.0% -3.1% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	Top 8.2% in tier
Delinquency Rate	0.3% -64.0% YoY-59.4% QoQ	-0.6	0.9% +4.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	Bottom 12.3% in tier
Loan To Share	77.0% +7.0% YoY-0.5% QoQ	+4.8%	72.2% -1.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	56%
AMR	$15,953 +1.7% YoY+1.5% QoQ	$-9K	$24,676 +3.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	Bottom 12.6% in tier
CD Concentration	8.8% +6.3% YoY-0.4% QoQ	-15.6%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.3% -66.5% YoY-21.0% QoQ	-13.5%	13.8%	5.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#36 of 538 • Bottom 6.5% in tier

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

Why This Signature

Efficiency Ratio: 91.04%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.18%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY

Liquidity Overhang

risk

#96 of 135 • Bottom 70.9% in tier

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

Why This Signature

Net Worth Ratio: 17.05%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 77.03%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Deposit Outflow

decline

#68 of 69 • Bottom 98.5% 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): -0.97%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.18%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 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 1069 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $298.17

Peer Median: -

#60 of 1069 Top 5.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.05%

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.79%

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

133

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

Top Weaknesses (11 metrics)

982

Efficiency Ratio

profitability

Value: 91.04%

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

963

Total Deposits

balance_sheet

Value: $99.56M

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

934

Average Member Relationship (AMR)

engagement

Value: $15,953

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

931

Deposit Growth Rate

growth

Value: -0.97%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

922

Total Assets

balance_sheet

Value: $120.70M

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

906

Members Per Employee (MPE)

engagement

Value: 240.174

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier

895

Asset Growth Rate

growth

Value: 0.31%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

895

First Mortgage Concentration (%)

balance_sheet

Value: 47.82%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

859

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier

856

Total Loans

balance_sheet

Value: $76.69M

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier