COMMONWEALTH

Charter #24970 | KY

1B-3B (304 CUs) Mid-Market ($1B-$5B) (380 CUs)

5 1B-3B in KY

5 Mid-Market in KY

COMMONWEALTH has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.37% above tier average
+ Net Interest Margin 0.15% above tier average
+ Total Deposits: Top 6.6% in tier
+ Total Assets: Top 7.9% in tier
+ Total Loans: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 22.1% in tier
- Member Growth Rate: Bottom 0.0% in tier
- Asset Growth Rate: Bottom 0.0% in tier
- Loan Growth Rate: Bottom 0.0% in tier
- Deposit Growth Rate: Bottom 0.0% in tier
- AMR Growth Rate: Bottom 0.0% in tier
- Share Certificate Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	137,411 +1.8% QoQ	+38.7K	98,678 -1.9% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	Top 17.1% in tier
Assets	$2.7B +1.0% QoQ	+$938.3M	$1.7B +0.5% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	Top 8.2% in tier
Loans	$2.0B +3.3% QoQ	+$767.8M	$1.2B +0.5% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	Top 8.6% in tier
Deposits	$2.3B +0.5% QoQ	+$850.1M	$1.5B +1.3% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	Top 6.9% in tier
ROA	1.1% +3.9% QoQ	+0.4%	0.7% +13.4% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	Top 18.4% in tier
NIM	3.4% +2.4% QoQ	+0.1%	3.3% +9.3% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	59th in tier
Efficiency Ratio	63.3% -0.2% QoQ	-10.6%	74.0% -10.9% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	Bottom 13.2% in tier
Delinquency Rate	0.8% +29.9% QoQ	-0.1	0.8% +6.1% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	58th in tier
Loan To Share	86.8% +2.7% QoQ	+1.6%	85.2% -0.8% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	47th in tier
AMR	$31,331 -0.0% QoQ	+$2K	$29,172 +2.8% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	70th in tier
CD Concentration	42.9% -1.2% QoQ	+13.9%	29.0% +0.8% YoY	22.1% -0.3% YoY	19.6% +6.2% YoY	Top 7.9% in tier
Indirect Auto %	22.8% -0.2% QoQ	+4.0%	18.8% -2.8% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	64th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#137 of 202 • Bottom 22.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -

(Tier: 5.36%, National: 3.04%)

Indirect Auto %: 22.81%

(Tier: 18.80%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -

(Tier: 3.18%, National: 9.37%)

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (7 metrics)

Total Deposits

balance_sheet

Value: $2.30B

Peer Avg: $1.45B

#21 of 304 Top 6.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.66B

Peer Avg: $1.72B

#25 of 304 Top 7.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.00B

Peer Avg: $1.23B

#26 of 304 Top 8.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.34%

Peer Avg: 73.97%

#41 of 304 Top 13.2% in 1B-3B tier

Total Members

engagement

Value: 137,411

Peer Avg: 98,678

#52 of 304 Top 16.8% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.08%

Peer Avg: 0.70%

#56 of 304 Top 18.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $252.07

Peer Avg: $210.52

#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (7 metrics)

304

Member Growth Rate

growth

Value: -

Peer Avg: 2.20%