COMMONWEALTH CENTRAL

Charter #61741 | CA

500M-750M (169 CUs) Community (281 CUs)
10 500M-750M in CA

COMMONWEALTH CENTRAL has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.81% above tier average
  • + Share Certificate Concentration (%): Top 1.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 11.7% in tier
  • - Margin Compression: Bottom 11.9% in tier
  • - Institutional Decline: Bottom 12.6% in tier
  • - Credit Quality Pressure: Bottom 14.3% in tier
  • - Stagnation Risk: Bottom 14.5% in tier
  • - Accelerating Exit Risk: Bottom 16.8% in tier
  • - Shrinking Wallet Share: Bottom 17.5% in tier
  • - Cost Spiral: Bottom 18.1% in tier
  • - Membership Headwinds: Bottom 25.2% in tier
  • - Liquidity Overhang: Bottom 26.0% in tier
  • - Loan Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 38,965
-1.4% YoY+0.7% QoQ
 -787 39,752
-2.7% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $615.3M
+1.2% YoY-0.2% QoQ
 $-7.1M $622.4M
+0.3% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $453.0M
-6.5% YoY+0.5% QoQ
 +$17.1M $435.9M
-0.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $525.7M
+0.3% YoY-0.5% QoQ
 $-12.3M $538.0M
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 0.9%
-33.0% YoY+3.6% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 4.2%
+1.9% YoY+2.0% QoQ
 +0.8% 3.4%
+8.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 8.3% in tier
Efficiency Ratio 75.7%
+8.5% YoY+0.9% QoQ
 -2.4% 78.1%
-3.4% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.4%
+94.0% YoY+13.1% QoQ
 -0.4 0.8%
-4.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 86.2%
-6.7% YoY+0.9% QoQ
 +5.1% 81.0%
-1.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $25,117
-1.6% YoY-0.7% QoQ
 $-1K $26,482
+2.6% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 10.6%
+6.3% YoY-2.9% QoQ
 -13.8% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 9.8% in tier
Indirect Auto % 11.6%
-13.7% YoY-6.9% QoQ
 -2.4% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 56th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Flatlined Growth

risk
#13 of 58 • Bottom 11.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $615.31M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 1.18%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Margin Compression

decline
#51 of 136 • Bottom 11.9% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.42% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $615.31M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Institutional Decline

decline
#100 of 256 • Bottom 12.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $615.31M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.48%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Credit Quality Pressure

risk
#354 of 736 • Bottom 14.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.20% 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 | New qualifier

Stagnation Risk

risk
#240 of 550 • Bottom 14.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 10.61%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#45 of 58 • Bottom 16.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -1.60%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY

Shrinking Wallet Share

decline
#175 of 244 • Bottom 17.5% in tier

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

Why This Signature
AMR Growth (YoY): -1.60%
(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 worsening

Cost Spiral

risk
#45 of 62 • Bottom 18.1% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.94% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $615.31M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
62 of 281 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | Rank worsening

Membership Headwinds

decline
#415 of 550 • Bottom 25.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#403 of 552 • Bottom 26.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.85%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.17%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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 (4 metrics)

3
Share Certificate Concentration (%)
balance_sheet
Value: 10.61%
Peer Avg: 26.87%
#3 of 169 Top 1.2% in 500M-750M tier
14
Net Interest Margin (NIM)
profitability
Value: 4.24%
Peer Avg: 3.43%
#14 of 169 Top 7.7% in 500M-750M tier
23
Net Worth Ratio
risk
Value: 13.85%
Peer Avg: 10.94%
#23 of 169 Top 13.0% in 500M-750M tier
28
Members Per Employee (MPE)
engagement
Value: 410.158
Peer Avg: 338.010
#28 of 169 Top 16.0% in 500M-750M tier

Top Weaknesses (4 metrics)

156
Loan Growth Rate
growth
Value: -6.48%
Peer Avg: 4.04%
#156 of 169 Bottom 8.3% in 500M-750M tier
153
Fee Income Per Member
profitability
Value: $120.68
Peer Avg: $199.27
#153 of 169 Bottom 10.1% in 500M-750M tier
146
AMR Growth Rate
growth
Value: -1.60%
Peer Avg: 3.12%
#146 of 169 Bottom 14.2% in 500M-750M tier
138
Deposit Growth Rate
growth
Value: 0.28%
Peer Avg: 5.25%
#138 of 169 Bottom 18.9% in 500M-750M tier