Federal credit union · Fresno, California · NCUA charter #24552
NOBLE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.41B
- Total assets
- 120,278
- Members
- 9.6%
- Net-worth ratio
NOBLE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.41B; members 120,278; net-worth ratio 9.62%; health rank #691 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#691 of 4,374 health · 2025Q4NOBLE · health 93/100 · $1.41B · 2025Q4
- ASSETS 93/100
- MEM 9.6%
- RANK 0.80%
- PHOTO 0.73%
- BOOK $1.41B
- CHARTER 120,278
- NCUSIF #691/4,374
- CAMELS AVADIAN
- HEALTH 24552
Call Report peers
NOBLE in the assets neighbourhood
NOBLE's $1.41B assets sit next to AVADIAN ($1.41B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NOBLE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NOBLE - Share Insurance Coverage
Charter #24552's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
NOBLE: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.73% vs peer 0.51% (+0.22 pp).
- Loan-to-Share Ratio trails the peer set - 74.49% here, 83.90% peer average (-9.41 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NOBLE: in-state Call Report ranks
- Health composite ranks #45 of 243 among scored California credit unions.
- By total assets, NOBLE is #49 of 243 in California.
- Member book place in California: #31 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How NOBLE's 5300 filing moved
NOBLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $1.41B (2025Q4) to $1.49B (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.01% → 9.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for NOBLE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -1.56 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 0.73% | +0.22 pp |
| Member Growth | 2.20% | - |
| Loan-to-Share Ratio | 74.49% | -9.41 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
NOBLE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.49B | - |
| 2025Q4 | $1.41B | 120,278 |
| 2024Q4 | $1.28B | 117,693 |
| 2023Q4 | $1.24B | 114,372 |
Credit Union Details
- Charter Number
- 24552
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- California
- City
- Fresno
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for NOBLE, spread across 4 cities.
| Office | City |
|---|---|
| Noble Administration (Main Office) | Fresno, CA |
| Noble Clovis Branch | Clovis, CA |
| Noble Airport Branch | Fresno, CA |
| Noble Ashlan Blythe Branch | Fresno, CA |
| Noble Cedar Nees Branch | Fresno, CA |
| Noble Downtown Branch | Fresno, CA |
| Noble North West Branch | Fresno, CA |
| Noble Madera Branch | Madera, CA |
| Noble Selma Branch | Selma, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for NOBLE
Two NCUA Call Report peer sets for NOBLE, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.41B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- NOBLE ranks #691 of 4,374 nationally on financial health and #45 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Christian Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Christian Community
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is NOBLE financially healthy?
A 9.62% net worth ratio and a 0.80% delinquency rate feed into NOBLE's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #691 of 4,374; by total assets it ranks #352 of 4,374 nationally (same basis as /rankings/largest); and #49 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does NOBLE compare to other credit unions?
Five weighted metrics from NCUA filings produce NOBLE's 93/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join NOBLE?
NOBLE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact NOBLE directly for the current list of qualifying groups.
Is my money safe at NOBLE?
Federal credit unions like NOBLE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NOBLE's net worth ratio of 9.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NOBLE offer compared to banks?
Credit unions like NOBLE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact NOBLE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.