# NOVA
CHARLOTTE, NC · NCUA charter 63425 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nova-63425

Who the members are: state charter, organized 1934, low-income designated. 11,107 members of 250,000 potential (4.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $120.6M |
| Members | 11,107 (0.7% YoY) |
| Full-time staff | 41 |
| Net worth | $21.2M |
| Net worth ratio | 17.6% (p92 of band) |
| ROA (annualized) | 0.40% (p31 of band) |
| Total delinquency | 0.42% (p34 of band) |
| Net charge-offs (annualized) | 0.43% (p60 of band) |
| Loans / shares | 77% (p64 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p65 of band) |
| Operating expense / assets | 6.15% (p97 of band) |
| Vehicles % of loans | 40% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p35 of band) |
| Vehicle delinquency | 0.79% (p62 of band) |
| Vehicle NCO | 1.01% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 9% |
| Average share balance | $5,111 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $14,490 |
| Loans granted, annualized | $17.0M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 | delinquency rising | net worth falling |
| 2017-06 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2017-09 | 2 | delinquency 2x band | assets shrinking |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 5 | charge-offs p90, assets shrinking |  |
| 2018-12 | 4 |  | delinquency rising |
| 2019-03 | 2 |  | charge-offs p90, assets shrinking |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | charge-offs p90, members leaving |  |
| 2019-12 | 3 |  | delinquency 2x band |
| 2020-03 | 5 | net worth falling, losing money |  |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 5 |  | members leaving |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 |  | charge-offs p90, losing money |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | delinquency rising, members leaving |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | delinquency 2x band |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 4 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | assets shrinking |
| 2024-03 | 2 | delinquency rising | members leaving, charge-offs p90 |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-02-26 [NOVA receives $2,500 donation from American Heritage Federal Credit Union - buckscountyherald.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNcEFlTGw5VHozRXBnYUhvanVXUTM5alpkaXlaWGw3VS1RVG9mUmd1S04yQWFZRzhuSlFtdnJNYVBBWTBuRlA0WW03Wm1kcHNJTGRWcWFrbVJqMlJ1MUV0d0hPM3dpTHpjZEp6ekhNSFhFOVVfV2JBQlZPcFhneWliVklhbnZxRExBdDlUWXdiMXNIVWh3VG5tNTA0SGN5N0NBQ3hndnlTemtCZF9DLVpDNkJLR3BkcFZzR0h2ck4zUkc2a0x2TDZ4UE4ySkZpVUJPa3NiaE9UQ3B1V1BYMVJEZlkwNzdsRUI2NFcyM0t1WE8xeFN5RWxCUC1sM2VSczA?oc=5) · buckscountyherald.com
- 2026-01-29 [The Best Savings Accounts in North Carolina for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMigAFBVV95cUxNU3FGSnBlalBXSURCZ3Q0ZjUzS082XzROenp4dVhfXzB4dmxhdjN2ZDJ5YzktYllDS2xpQ3NCMkctRnlIWEcyVFNXdC1wVnNtVEtRUTZ3RXhtR2lid29makpkS1AtWm9lQlhxQ2ZNYkc0SkQ0MzFOSVkxUGhBX1BkUg?oc=5) · MoneyRates
- 2025-12-01 [Evanescence Enlist Spiritbox, Poppy, Nova Twins and K. Flay for Massive 2026 World Tour - Knotfest](https://news.google.com/rss/articles/CBMitwFBVV95cUxQNHZPU3d6TVNVZkJzWEsxR1lpM2FudjNnZ0pBSFNCeVVSS2p2WUc0SXVoTUVkbVVZZnJIZWwwZUxYU3ZRbHp6dGxBR0JNU2tJOGd3czBsYlo2SGtmRHFMcGFFV1dEN3B4eERsM0pkSG5lZFZmOXR3VWlsdnU0cmdMeGJaTkZvZEswVmcwb2xjSno1bHoyM29JSkZEV05wV3BJVVRtU0N6bmtpNGtxZzd4RFBVTUd6RTg?oc=5) · Knotfest
- 2026-06-12 [Evanescence Kick Off 2026 World Tour With Live Debuts, Including First-Ever Performance of “Like You” - The Mosh Network](https://news.google.com/rss/articles/CBMib0FVX3lxTE9CNEprWDlUNHVnc09HcDBnb3E4Q3AxTm5oOGQ0cThZMW1OR2VTOEdMUDA4YmpMWjV1TW5nUVF1R244bWtHY05RanVQNkhrUGsxVGlKQ3JFUWpjWEdOLWtfQ0JmajVLOEFnTVFON1dXYw?oc=5) · The Mosh Network
- 2025-12-02 [Evanescence Announces 2026 World Tour, With Support From Spiritbox, Nova Twins, Poppy, K.Flay - Pollstar News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOV1EtdUxXM1loNFpnQ3NZTGQxMkxULV9LYms0V3ZXT0VrdFdkUVV3M1hIU0UtZ3RjQUQ2UDZ3WExKTGpEb3ZjRTZzRGFaNUZkY285dHJ2dWZQMHdBX21JakxxcmlhOGF5ZnowUFQ3YlZrYWhUTVFMZXJWeG1ScG1iclFRR0NIMGItblc2WmhKSTBGNE5XSnJQUkFmVUhGbW4wdjZtNFljNU5mWDZmSDFsdGVrdk1LQlo3MjFNN1YxNi13UThfNmc?oc=5) · Pollstar News
- 2025-12-04 [News: Evanescence Announce 2026 World Tour - New Noise Magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE1GNXY3TVJfSWhtcDdfVjNJSXF1YjFTSXVqdFlfUkRUYVpieW5HUWUwcjBsSWZtV3o2dmVRbGxXZ2xIQmV6Q2w2ZDVMRDBYUTNFbnZ3ZW9Vb1B5U3FDbHVNaTF5eDl6MnlwVEhrVXQyb3poRG04RFJqekkxRQ?oc=5) · New Noise Magazine
- 2025-12-01 [Evanescence Books North American Tour with Spiritbox, Poppy, and Nova Twins - Ghost Cult Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSlhnV3AtcGVNZEdqSFBDbWJqMkdSV3lZQ1ZJNGNib0lRcVpuVGh5T2Njc0h6R3lTUTc0SFptcVd5U0ZUeW42OXJldlUwelVjeXJZWEQyZ3A2eXFEaUplenVsTTEtYzM2dkRnaGdxNnZfYUR3UGRJVWV2cGpjQS1VOGM4Rm9qMWpuRnp5cWJnNFVndE05UkdPeQ?oc=5) · Ghost Cult Magazine
- 2025-12-01 [Evanescence Announces 2026 World Tour with Special Guests Spiritbox, Poppy, K.Flay and Nova Twins - Rock Cellar Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxOeDFUcWZIQ1JzUUdQQTV5TURrU2lHUUsxMEJSWlZ5X0ZOeEhHazROMHM5VmUwcXNMcklEUDdpNWFJQ193cjc3Ym5Gd0Q4VnVvNmZZRjQ4ZFA5UXpPckh0UUJEbVNWU25VUDNMckJRSlRzYlVTQzVRcXhhLU5WLUQ1VDRabnpfaVJoRDJuQ2tLTmh2WWJ1?oc=5) · Rock Cellar Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63425 (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/1.json (key "63425", 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=63425
- 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