BlastPoint's Credit Union Scorecard
COMMONWEALTH ONE
Charter #5134 · VA
COMMONWEALTH ONE has 4 strengths but faces 11 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 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
|
56% |
| 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
|
23% |
| 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 |
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| 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
|
50% |
| 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
|
58% |
| 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
|
20% |
| 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
|
46% |
| Indirect Auto % |
4.7%
-33.4% YoY-9.8% QoQ
|
-9.3% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
45% |
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)