BlastPoint's Credit Union Scorecard
COMMONWEALTH ONE
Charter #5134 · VA
COMMONWEALTH ONE has 4 strengths but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 27.1% in tier
- + Organic Growth Engine: Top 71.9% in tier
- + Net Interest Margin 0.14% above tier average
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 17.9% in tier
- - Efficiency Drag: Bottom 52.5% in tier
- - Credit Quality Pressure: Bottom 59.7% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 12.20% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
- - Asset Growth Rate: Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
- - Loan Growth Rate: Bottom 8.5% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,918
+4.2% YoY-2.3% QoQ
|
+342 |
38,575
-4.8% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$520.9M
-7.0% YoY-0.1% QoQ
|
$-100.8M |
$621.7M
+0.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.1% in tier |
| Loans |
$371.0M
-5.5% YoY-0.9% QoQ
|
$-58.8M |
$429.8M
-1.8% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$435.5M
+0.4% YoY+0.1% QoQ
|
$-103.2M |
$538.7M
+0.6% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-106.9% YoY-89.2% QoQ
|
-0.6% |
0.7%
+42.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.3% in tier |
| NIM |
3.6%
+19.2% YoY+3.3% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
89.7%
+0.7% YoY+2.0% QoQ
|
+12.2% |
77.5%
-4.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
1.7%
+9.8% YoY+5.7% QoQ
|
+0.9 |
0.8%
-1.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 7.9% in tier |
| Loan To Share |
85.2%
-5.9% YoY-1.0% QoQ
|
+5.3% |
79.8%
-2.3% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$20,723
-6.4% YoY+2.0% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
24.3%
+1.6% YoY+4.6% QoQ
|
-0.1% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
4.1%
-36.4% YoY-12.8% QoQ
|
-9.7% | 13.8% | 9.6% | 7.8% | 44% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)