# NOBLE
Fresno, CA · NCUA charter 24552 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/noble-24552

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 121,649 members of 608,245 potential (20.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.49B |
| Members | 121,649 (1.7% YoY) |
| Full-time staff | 202 |
| Net worth | $143.8M |
| Net worth ratio | 9.6% (p25 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 0.71% (p61 of band) |
| Net charge-offs (annualized) | 0.77% (p74 of band) |
| Loans / shares | 74% (p20 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 13.39% |
| Net interest margin | 3.42% (p56 of band) |
| Operating expense / assets | 3.47% (p64 of band) |
| Vehicles % of loans | 50% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 235% (p72 of band) |
| Vehicle delinquency | 0.34% (p22 of band) |
| Vehicle NCO | 0.73% (p33 of band) |
| Repossessed % of vehicle book | 0.26% (p88 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 19% |
| Average share balance | $5,236 |
| Participations bought / yr | $61.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $107.5M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,458 |
| Loans granted, annualized | $207.2M |

## Participation posture (from the same filings)

Bought $61.9M and sold $0 in the latest annualized quarter; $107.5M outstanding purchased (74.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | losing money, delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze | losing money, delinquency rising |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | auto monoline |
| 2023-12 | 2 | leaning on borrowings | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 | net worth falling | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-24 [Ribbon cut Wednesday as Noble Credit Union opens new flagship branch in northwest Fresno - kmph.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPSC1tS28xZ0RpSXkwWFI0VkRtd09zc2ZMUHcxem93RUcwbjBuelk4VHpwSzJJNTJfOS13b0RWMWphWHVLMDI4SURYQVp3YTVTNUxpX0p0bmhXNHlUUzJycFBTX2hZeDhyZ1IwNFpvb3ByMU9CR3hLNkhfTmI3SDNSdXNmZ1luS3BKcGNsUkp1WS1qcURYYmU3S2pjZWxra2ZmLWVxZHowMVFzTTRnbndYWjNTbmZJZHM?oc=5) · kmph.com
- 2026-06-24 [Noble Credit Union, Warnors Theatre Partnership Fuels Fresno Preservation Efforts - GV Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdDljblpCeU9LTnlfTnFXMXpiMFlSS0ZpT2NTVERTVnk3WkNyVzh1RFgtaGlCSVlPeEdXYTRORXZTM0U1LWM5V2FhMVVRQ0QwNnNIZWVLdURBcDE1bV9zWWZ3b2VhMlZZTWZKWjE4UlR2X293OEZXeVhybko0RlIza2xpZng0b24zcFBKUDhnYTJpSnYzSHRxUUN1dkJPamVJdDJoNnhSY2JXZUlTX3Y5bQ?oc=5) · GV Wire
- 2025-08-13 [‘More Than a Building:’ New credit union HQ marks milestone for growth, service - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbzlCR284VjlBdDNodTR5aWJwU3M2MjFqOG5sekxJRGt6ajFKZG9GcWE0U0tSWGcxTjNNdkR1YUwyTXZTVHZUdEdDSDVUQjJoYlpPelZuYktDd3RGcnVLTnY0N3BPUHVnWnlmSWtwQUR4RnMxejFrZ1AxaXVqcWE4TTJqSXZiWmQteFd3ZTdEZjlFNXhkS1kyOE44SUJoSURvWFgwRWtFVnRnQTg?oc=5) · thebusinessjournal.com
- 2024-01-10 [Was Fresno woman denied a loan over her immigration status? What lawsuit claims - Fresno Bee](https://news.google.com/rss/articles/CBMiakFVX3lxTE5UQ1h5YjJmalBLTFhNdVdKTXFScFhHNzBTOHhBQXptREZlUVFRM2dkejh3a2ROemlZT2puUklLSnRmWTFPcl9hUXhFRDRPaU9LVE02WkVhY2xLZWJGb0V6YnFtTW90dnkwZlHSAWpBVV95cUxNWTVVeVZYdVJhRGcyQUVuODgtU1FEMlZnN19qMGFubWotOUI2dlMwX0RaTWNwaTNXcEkwbWhCR1ViUzdEUHViS2tCaFpoMWVETmNReG04R2luRVdCNXRvS2NxUnlxUko5OGVR?oc=5) · Fresno Bee
- 2023-05-02 [Noble Credit Union announces new president/CEO - hanfordsentinel.com](https://news.google.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?oc=5) · hanfordsentinel.com
- 2023-04-28 [After 22 years, Fresno’s Noble Credit Union hires new executive - thebusinessjournal.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUEQwUTktXzJ4aHF5R2pUcFZIYzJvYy1la2dDSTY3TDlEQXJ5dktGYl9nMTZjOGdUV0lJTVlTdlVGS0ZRSVVISWFDbnJoN3dVbWV5c1A0RHJYZDI2U0ZIUFV3S0tkNmU0ZFBfVkg2UDgtWHhFaVZ2bmFyTjBkRWk0Y3lZTW43RHA4QnhKQjQ0RS13Y2pwaEJpaA?oc=5) · thebusinessjournal.com
- 2025-08-26 [Noble Credit Union Teams With Bulldog Foundation to Provide Full-Ride Scholarships - GV Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWE1kTHRjalVhLUZhQmtUTlNqalprZmdsVWRIeXVrenJUY2VjWVg4cG1aUE1UelhVRnRvYlVHOXpVdmdGbHF0dXVpMWR1ajdveTQ3S1V5VndxaWt5NVBfOXliT3B4OHRSLWtOaUVET1c5WkRyMEVwX25DeUhTc0VlZkE0YWM0UWNRX2RSWVA5RUVWaXgwMWQxSmI1OFRMcFF1QnJzdEtQYXlFY0V6SldBa2pOSQ?oc=5) · GV Wire
- 2024-01-05 [Latino group MALDEF sues banks, credit unions after denying loans to eligible DACA recipients - NBC News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQRlpBT21Rc1V4U1JfdExucWNjQkc0d0pkVFJYN29PVHA5NVhfY0g0TTQ5V2xhYmhraFJJR1J1SnVTb0R4MzN1Sm9qTHNNZVBoYUVUVWJHVy1SOWMyUkFjalpVYnFWeGR3WWpFZ19FY0lzSVVucUY1R3gtWDZBZGxLT1EyNjVvOWRiTG0xWHdJT3kzRzQ3enpfa1FaUnZ2dzVjUmw3RTJGZGU1cVkyRXV1a0FJaEV2UWVO?oc=5) · NBC News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24552 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "24552", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24552
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide