COMMONWEALTH ONE

Charter #5134 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

COMMONWEALTH ONE has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 7.5% in tier
  • + Organic Growth Engine: Top 22.3% in tier
  • + Net Interest Margin 0.04% above tier average
  • + Members Per Employee (MPE): Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 6.6% in tier
  • - Efficiency Drag: Bottom 15.9% in tier
  • - Credit Quality Pressure: Bottom 19.2% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 9.90% above tier (higher cost structure)
  • - Delinquency rate 0.83% above tier average
  • - Asset Growth Rate: Bottom 4.1% in tier
  • - Total Deposits: Bottom 4.7% in tier
  • - Loan Growth Rate: Bottom 7.7% in tier
  • - Net Worth Ratio: Bottom 7.7% in tier
  • - AMR Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 39,829
+4.5% YoY+7.1% QoQ
 +76 39,752
-2.7% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 56th in tier
Assets $521.3M
-7.9% YoY-4.1% QoQ
 $-101.1M $622.4M
+0.3% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 10.7% in tier
Loans $374.4M
-7.1% YoY-1.9% QoQ
 $-61.5M $435.9M
-0.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 23.1% in tier
Deposits $435.1M
+6.0% YoY-1.1% QoQ
 $-103.0M $538.0M
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 4.1% in tier
ROA 0.2%
-6962.2% YoY-37.9% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 14.2% in tier
NIM 3.5%
+18.5% YoY+4.5% QoQ
 +0.0% 3.4%
+8.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 88.0%
+2.9% YoY+3.3% QoQ
 +9.9% 78.1%
-3.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 14.8% in tier
Delinquency Rate 1.6%
+7.1% YoY-0.9% QoQ
 +0.8 0.8%
-4.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 10.7% in tier
Loan To Share 86.1%
-12.4% YoY-0.8% QoQ
 +5.0% 81.0%
-1.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $20,324
-4.7% YoY-8.0% QoQ
 $-6K $26,482
+2.6% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 20.1% in tier
CD Concentration 23.3%
+3.8% YoY-0.6% QoQ
 -1.2% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 46th in tier
Indirect Auto % 4.7%
-33.4% YoY-9.8% QoQ
 -9.3% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#100 of 430 • Top 7.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#409 of 603 • Top 22.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.20%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 4.68%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#67 of 244 • Bottom 6.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.75%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Efficiency Drag

risk
#282 of 521 • Bottom 15.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.99%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#475 of 736 • Bottom 19.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (2 metrics)

12
Members Per Employee (MPE)
engagement
Value: 468.576
Peer Avg: 338.010
#12 of 169 Top 6.5% in 500M-750M tier
26
Member Growth Rate
growth
Value: 4.46%
Peer Avg: 1.75%
#26 of 169 Top 14.8% in 500M-750M tier

Top Weaknesses (13 metrics)

163
Asset Growth Rate
growth
Value: -7.86%
Peer Avg: 4.33%
#163 of 169 Bottom 4.1% in 500M-750M tier
162
Total Deposits
balance_sheet
Value: $435.06M
Peer Avg: $538.02M
#162 of 169 Bottom 4.7% in 500M-750M tier
157
Loan Growth Rate
growth
Value: -7.14%
Peer Avg: 4.04%
#157 of 169 Bottom 7.7% in 500M-750M tier
157
Net Worth Ratio
risk
Value: 8.25%
Peer Avg: 10.94%
#157 of 169 Bottom 7.7% in 500M-750M tier
155
AMR Growth Rate
growth
Value: -4.75%
Peer Avg: 3.12%
#155 of 169 Bottom 8.9% in 500M-750M tier
152
Total Delinquency Rate (60+ days)
risk
Value: 1.63%
Peer Avg: 0.80%
#152 of 169 Bottom 10.7% in 500M-750M tier
151
Total Assets
balance_sheet
Value: $521.28M
Peer Avg: $622.38M
#151 of 169 Bottom 11.2% in 500M-750M tier
148
Net Charge-Off Rate
risk
Value: 0.96%
Peer Avg: 0.51%
#148 of 169 Bottom 13.0% in 500M-750M tier
145
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.66%
#145 of 169 Bottom 14.8% in 500M-750M tier
145
Efficiency Ratio
profitability
Value: 87.99%
Peer Avg: 78.10%
#145 of 169 Bottom 14.8% in 500M-750M tier