BlastPoint's Credit Union Scorecard
COMMONWEALTH CENTRAL
Charter #61741 · CA
COMMONWEALTH CENTRAL has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Share Certificate Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 14.8% in tier
- - Credit Quality Pressure: Bottom 46.9% in tier
- - Flatlined Growth: Bottom 75.0% in tier
- - Stagnation Risk: Bottom 80.3% in tier
- - Membership Headwinds: Bottom 80.3% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 2.59% above tier (higher cost structure)
- - Member decline: -2.8% YoY
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 10 that size in California.
- Shares and deposits +0.4% year over year ($530M in shares and deposits).
- Membership: 37,635 members, -2.8% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 0.70%.
- Efficiency ratio 79.15% vs a 76.56% peer average.
- Loan-to-share ratio 81.45% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,635
-2.8% YoY-0.1% QoQ
|
-262 |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$624.9M
+1.3% YoY-0.3% QoQ
|
+$2.5M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$431.9M
-4.2% YoY-1.7% QoQ
|
+$3.4M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$530.3M
+0.4% YoY-0.5% QoQ
|
$-9.5M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
45% |
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%
-15.9% YoY+12.0% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
4.1%
-1.8% YoY+0.1% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 13.9% in tier |
| Efficiency Ratio |
79.2%
+5.5% YoY-0.4% QoQ
|
+2.6% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.4%
+11.0% YoY+58.2% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
81.5%
-4.6% YoY-1.1% QoQ
|
+2.1% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$25,566
+1.1% YoY-0.9% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
11.3%
+3.4% YoY+1.8% QoQ
|
-13.3% | 24.6% | 22.2% | 20.0% | Bottom 10.4% in tier |
| Indirect Auto % |
11.4%
-8.2% YoY+4.7% QoQ
|
-2.2% | 13.6% | 9.2% | 7.7% | 56% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)