BlastPoint's Credit Union Scorecard
COMMONWEALTH
Charter #24970 · KY
COMMONWEALTH has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 10.9% YoY
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 1.3% in tier
- + Total Loans: Top 4.0% in tier
- + Efficiency Ratio: Top 6.3% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.5% in tier
- - Credit Quality Pressure: Bottom 15.1% in tier
- - Credit Risk Growth: Bottom 17.7% in tier
- - Share Certificate Concentration (%): Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Kentucky.
- Shares and deposits +12.1% year over year ($2.57B in shares and deposits).
- Membership: 149,646 members, +10.9% vs a year ago.
- Delinquency rate 0.87%.
- Return on assets 1.57%.
- Efficiency ratio 57.75% vs a 73.02% peer average.
- Loan-to-share ratio 84.07% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,646
+10.9% YoY+3.7% QoQ
|
+52.8K |
96,861
-1.9% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 11.7% in tier |
| Assets |
$2.9B
+10.9% YoY+3.0% QoQ
|
+$1.2B |
$1.7B
+0.4% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 1.7% in tier |
| Loans |
$2.2B
+11.5% YoY+3.3% QoQ
|
+$926.4M |
$1.2B
+0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 4.3% in tier |
| Deposits |
$2.6B
+12.1% YoY+2.9% QoQ
|
+$1.1B |
$1.5B
+0.5% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 0.3% in tier |
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| ROA |
1.6%
+51.3% YoY+16.4% QoQ
|
+0.8% |
0.8%
+27.6% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Top 6.7% in tier |
| NIM |
3.6%
+7.4% YoY-0.3% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
57.7%
-9.0% YoY-3.9% QoQ
|
-15.3% |
73.0%
-2.7% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
0.9%
+46.9% YoY+30.6% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
84.1%
-0.6% YoY+0.3% QoQ
|
-0.6% |
84.7%
+0.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$31,611
+0.9% YoY-0.5% QoQ
|
+$2K |
$29,575
+1.5% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
45.6%
+5.1% YoY+3.2% QoQ
|
+16.5% | 29.1% | 23.1% | 20.0% | Top 5.3% in tier |
| Indirect Auto % |
17.9%
-21.8% YoY-10.5% QoQ
|
-0.2% | 18.1% | 7.6% | 7.7% | 56% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)