BlastPoint's Credit Union Scorecard
COMMONWEALTH ONE
Charter #5134 · VA
COMMONWEALTH ONE has 5 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 2.1% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.28% above tier average
- + AMR Growth Rate: Top 1.2% in tier
- + Fee Income Per Member: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 21.4% in tier
- - Membership Headwinds: Bottom 99.2% in tier
- - Stagnation Risk: Bottom 99.2% in tier
- - Delinquency rate 0.48% above tier average
- - Member decline: -18.1% YoY
- - Total Assets: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
- Shares and deposits -1.6% year over year ($433M in shares and deposits).
- Membership: 30,477 members, -18.1% vs a year ago.
- Delinquency rate 1.29%.
- Return on assets 0.98%.
- Efficiency ratio 71.78% vs a 76.56% peer average.
- Loan-to-share ratio 84.06% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,477
-18.1% YoY+6.1% QoQ
|
-7.4K |
37,897
-5.0% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$501.7M
-7.7% YoY-1.5% QoQ
|
$-120.7M |
$622.4M
+0.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.1% in tier |
| Loans |
$363.9M
-4.7% YoY+0.0% QoQ
|
$-64.6M |
$428.5M
-0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$432.9M
-1.6% YoY-2.1% QoQ
|
$-106.8M |
$539.8M
+0.9% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.8% in tier |
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| ROA |
1.0%
+200.9% YoY-238.6% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.8%
+14.8% YoY+3.9% QoQ
|
+0.3% |
3.5%
+5.0% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
71.8%
-15.7% YoY-27.9% QoQ
|
-4.8% |
76.6%
-3.6% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
1.3%
-21.5% YoY-6.8% QoQ
|
+0.5 |
0.8%
+3.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.5% in tier |
| Loan To Share |
84.1%
-3.1% YoY+2.2% QoQ
|
+4.7% |
79.3%
-1.4% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$26,146
+18.4% YoY-6.8% QoQ
|
$-1K |
$27,294
+4.1% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
21.4%
-8.6% YoY-11.8% QoQ
|
-3.2% | 24.6% | 18.0% | 20.0% | 39% |
| Indirect Auto % |
3.0%
-42.1% YoY-15.4% QoQ
|
-10.6% | 13.6% | 9.3% | 7.7% | 42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
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)