BlastPoint's Credit Union Scorecard
NOVA
Charter #63425 · NC
NOVA has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Fee Income Per Member: Top 5.1% in tier
- + Net Worth Ratio: Top 5.9% in tier
- + Share Certificate Concentration (%): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.5% in tier
- - Membership Headwinds: Bottom 20.9% in tier
- - Stagnation Risk: Bottom 30.5% in tier
- - Liquidity Overhang: Bottom 62.4% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 7.9% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,985
-1.8% YoY-0.5% QoQ
|
-4.6K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$117.7M
-1.7% YoY-2.7% QoQ
|
$-113.6M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.3% in tier |
| Loans |
$75.4M
+4.6% YoY-0.4% QoQ
|
$-72.4M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$97.3M
-2.5% YoY-2.9% QoQ
|
$-103.0M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.4% in tier |
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| ROA |
0.4%
+186.1% YoY+27.9% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
3.9%
+5.3% YoY+3.1% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
91.1%
-2.2% YoY-2.0% QoQ
|
+13.8% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
0.6%
-19.8% YoY+7.6% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
77.4%
+7.3% YoY+2.6% QoQ
|
+4.7% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$15,719
+2.3% YoY-1.4% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
8.8%
-3.7% YoY+6.6% QoQ
|
-15.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-64.0% YoY-33.5% QoQ
|
-13.6% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)