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
- + Profitability Leader: Top 83.0% in tier
- + 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
|
83% |
| 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 |
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| ROA |
1.1%
+3.9% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.4%
+2.4% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
59% |
| 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
|
58% |
| 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
|
47% |
| AMR |
$31,331
-0.0% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
42.9%
-1.2% QoQ
|
+13.9% |
29.0%
+0.7% 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%
-3.0% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
64% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)