BlastPoint's Credit Union Scorecard

COMMONWEALTH

Charter #24970 · KY

Mid-Market 1B-3B

Commonwealth at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Commonwealth is one of 101 credit unions in the 2026 VentureTech card set. We also found Commonwealth's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Commonwealth

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COMMONWEALTH
PEER · AT VENTURETECH
PEER · AT VENTURETECH
COMMONWEALTH'S BIGGEST OPPORTUNITY

300 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 0.75% 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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)

No strengths identified

Concerns (3)

Credit Risk Growth

risk

#16 of 170 • Bottom 17.7% in tier

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

Why This Signature

Loan Growth (YoY): 11.50%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#56 of 215 • Bottom 15.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#132 of 193 • Bottom 14.5% in tier

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

Why This Signature

Asset Growth (YoY): 10.89%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 17.87%

(Tier: 18.08%, National: 7.71%)

but better than tier avg

Member Growth (YoY): 10.88%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY

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 300 peers in tier

Top Strengths (11 metrics)

Total Deposits

balance_sheet

Value: $2.57B

Peer Median: $1.30B

#1 of 300 Top 0.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.92B

Peer Median: $1.51B

#5 of 300 Top 1.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.16B

Peer Median: $1.14B

#13 of 300 Top 4.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.57%

Peer Median: 0.77%

#20 of 300 Top 6.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 57.75%

Peer Median: 73.62%

#20 of 300 Top 6.3% in 1B-3B tier

Member Growth Rate

growth

Value: 10.88%

Peer Median: 1.84%

#20 of 300 Top 6.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.13%

Peer Median: 4.79%

#31 of 300 Top 10.0% in 1B-3B tier

Total Members

engagement

Value: 149,646

Peer Median: 86,516

#35 of 300 Top 11.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.89%

Peer Median: 5.21%

#40 of 300 Top 13.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.50%

Peer Median: 5.71%

#51 of 300 Top 16.7% in 1B-3B tier

Top Weaknesses (2 metrics)

287

Share Certificate Concentration (%)

balance_sheet

Value: 45.63%

Peer Median: 28.24%

#287 of 300 Bottom 4.7% in 1B-3B tier

247

Net Charge-Off Rate

risk

Value: 0.95%

Peer Median: 0.52%

#247 of 300 Bottom 18.0% in 1B-3B tier