BlastPoint's Credit Union Scorecard

COMMONWEALTH

Charter #24970 · KY

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 5 in KY
View Mid-Market leaderboard →

COMMONWEALTH has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.63% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Strong member growth: 10.9% YoY
  • + Total Deposits: Top 1.0% in tier
  • + Total Assets: Top 2.6% in tier
  • + Total Loans: Top 4.6% in tier
  • + Member Growth Rate: Top 6.5% in tier
  • + Efficiency Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.1% in tier
  • - Indirect Auto Dependency: Bottom 15.8% in tier
  • - Credit Quality Pressure: Bottom 31.8% in tier
  • - Share Certificate Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 144,367
+10.9% YoY+2.6% QoQ
 +48.3K 96,048
-2.7% YoY
 19,049
+8.0% YoY
 33,913
+5.7% YoY
 Top 13.1% in tier
Assets $2.8B
+10.4% YoY+3.1% QoQ
 +$1.1B $1.7B
+0.4% YoY
 $318.2M
+13.2% YoY
 $578.3M
+9.0% YoY
 Top 2.9% in tier
Loans $2.1B
+13.8% YoY+1.6% QoQ
 +$878.3M $1.2B
+0.2% YoY
 $224.2M
+14.2% YoY
 $402.4M
+8.7% YoY
 Top 4.9% in tier
Deposits $2.5B
+11.5% YoY+4.7% QoQ
 +$1.0B $1.5B
+0.5% YoY
 $268.6M
+13.0% YoY
 $494.3M
+9.1% YoY
 Top 1.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.3%
+53.2% YoY+42.1% QoQ
 +0.6% 0.7%
+27.6% YoY
 -0.2%
-46.7% YoY
 0.4%
-39.2% YoY
 Top 10.8% in tier
NIM 3.6%
+11.8% YoY+4.6% QoQ
 +0.2% 3.4%
+6.2% YoY
 3.3%
-7.9% YoY
 3.8%
+4.1% YoY
 67%
Efficiency Ratio 60.1%
-8.8% YoY-1.8% QoQ
 -14.5% 74.6%
-3.0% YoY
 83.1%
-14.8% YoY
 84.6%
+2.8% YoY
 Top 6.9% in tier
Delinquency Rate 0.7%
+18.6% YoY-11.6% QoQ
 -0.1 0.8%
+6.9% YoY
 0.9%
-11.3% YoY
 1.2%
+3.4% YoY
 54%
Loan To Share 83.8%
+2.0% YoY-3.0% QoQ
 +0.6% 83.2%
-0.4% YoY
 64.5%
+0.1% YoY
 65.6%
-1.4% YoY
 45%
AMR $31,784
+1.5% YoY+0.7% QoQ
 +$2K $29,652
+2.3% YoY
 $17,696
+5.9% YoY
 $19,920
+1.6% YoY
 69%
CD Concentration 44.2%
+2.5% YoY+0.7% QoQ
 +15.4% 28.8% 22.8% 19.8% Top 6.3% in tier
Indirect Auto % 20.0%
-15.4% YoY-7.4% QoQ
 +1.9% 18.1% 7.7% 7.7% 60%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Risk Growth

risk
#43 of 183 • Bottom 11.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 13.77%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk
#121 of 225 • Bottom 31.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#129 of 198 • Bottom 15.8% in tier

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

Why This Signature
Asset Growth (YoY): 10.38%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 19.95%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 10.89%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

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)

Comparing against 306 peers in tier

Top Strengths (10 metrics)

4
Total Deposits
balance_sheet
Value: $2.50B
Peer Median: $1.31B
#4 of 306 Top 1.0% in 1B-3B tier
9
Total Assets
balance_sheet
Value: $2.83B
Peer Median: $1.51B
#9 of 306 Top 2.6% in 1B-3B tier
15
Total Loans
balance_sheet
Value: $2.09B
Peer Median: $1.11B
#15 of 306 Top 4.6% in 1B-3B tier
21
Member Growth Rate
growth
Value: 10.89%
Peer Median: 2.03%
#21 of 306 Top 6.5% in 1B-3B tier
22
Efficiency Ratio
profitability
Value: 60.11%
Peer Median: 75.16%
#22 of 306 Top 6.9% in 1B-3B tier
33
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Median: 0.66%
#33 of 306 Top 10.5% in 1B-3B tier
34
Loan Growth Rate
growth
Value: 13.77%
Peer Median: 5.67%
#34 of 306 Top 10.8% in 1B-3B tier
36
Deposit Growth Rate
growth
Value: 11.55%
Peer Median: 4.44%
#36 of 306 Top 11.4% in 1B-3B tier
40
Total Members
engagement
Value: 144,367
Peer Median: 85,918
#40 of 306 Top 12.7% in 1B-3B tier
46
Asset Growth Rate
growth
Value: 10.38%
Peer Median: 4.82%
#46 of 306 Top 14.7% in 1B-3B tier

Top Weaknesses (2 metrics)

291
Share Certificate Concentration (%)
balance_sheet
Value: 44.23%
Peer Median: 27.93%
#291 of 306 Bottom 5.2% in 1B-3B tier
260
Net Charge-Off Rate
risk
Value: 0.98%
Peer Median: 0.51%
#260 of 306 Bottom 15.4% in 1B-3B tier
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