BlastPoint's Credit Union Scorecard
COMMONWEALTH ONE
Charter #5134 · VA
COMMONWEALTH ONE has 3 strengths but faces 8 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
- + Wallet Share Momentum: Top 0.8% in tier
- + Net Interest Margin 0.20% above tier average
- + AMR Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.1% in tier
- - Institutional Decline: Bottom 20.5% in tier
- - Membership Headwinds: Bottom 99.9% in tier
- - Stagnation Risk: Bottom 99.9% in tier
- - ROA 1.39% below tier average
- - Efficiency ratio 21.19% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Member decline: -22.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,734
-22.8% YoY-26.2% QoQ
|
-9.3K |
38,079
-4.8% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$509.3M
-8.2% YoY-2.2% QoQ
|
$-110.4M |
$619.7M
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.2% in tier |
| Loans |
$363.8M
-5.0% YoY-1.9% QoQ
|
$-55.6M |
$419.3M
-1.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$442.1M
-0.8% YoY+1.5% QoQ
|
$-97.4M |
$539.5M
-0.1% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.0% 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 |
-0.7%
+389.1% YoY
|
-1.4% |
0.7%
+36.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.2% in tier |
| NIM |
3.7%
+16.6% YoY+2.4% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
99.6%
+4.9% YoY+11.0% QoQ
|
+21.2% |
78.4%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
1.4%
-0.7% YoY-19.6% QoQ
|
+0.7 |
0.7%
-0.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
82.3%
-4.2% YoY-3.4% QoQ
|
+4.6% |
77.7%
-1.2% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$28,044
+25.9% YoY+35.3% QoQ
|
+$1K |
$26,927
+3.1% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
67% |
| CD Concentration |
24.3%
+0.7% YoY-0.2% QoQ
|
+0.0% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
3.5%
-39.4% YoY-13.0% QoQ
|
-10.3% | 13.8% | 9.4% | 7.7% | 43% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)