BlastPoint's Credit Union Scorecard
COMMONWEALTH
Charter #24970 · KY
COMMONWEALTH has 6 strengths but faces 7 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 0.26% above tier average
- + Net Interest Margin 0.16% above tier average
- + Total Deposits: Top 3.3% in tier
- + Total Assets: Top 4.3% in tier
- + Total Loans: Top 6.6% in tier
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 70.3% 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 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140,745
+2.4% QoQ
|
+43.3K |
97,431
-2.4% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$2.7B
+3.3% QoQ
|
+$1.0B |
$1.7B
+0.9% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 4.6% in tier |
| Loans |
$2.1B
+3.0% QoQ
|
+$825.5M |
$1.2B
+0.5% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 7.0% in tier |
| Deposits |
$2.4B
+3.4% QoQ
|
+$924.5M |
$1.5B
+0.9% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 3.6% in tier |
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| ROA |
0.9%
-12.0% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.4%
+0.6% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
61.2%
-3.3% QoQ
|
-12.8% |
74.1%
-9.5% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
0.8%
-2.0% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
86.4%
-0.5% QoQ
|
+1.6% |
84.8%
-0.8% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$31,573
+0.8% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
43.9%
+2.4% QoQ
|
+14.9% | 29.0% | 22.4% | 19.8% | Top 6.1% in tier |
| Indirect Auto % |
21.5%
-5.5% QoQ
|
+3.2% | 18.3% | 7.7% | 7.8% | 62% |
Signature Analysis
Strengths (0)
Concerns (1)
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)