BlastPoint's Credit Union Scorecard

COMMONWEALTH CENTRAL

Charter #61741 · CA

Community 500M-750M

169 CUs in 500M-750M nationally 10 in CA

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COMMONWEALTH CENTRAL has 3 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

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
- 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	54%
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	47%
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	58%
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	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	67%
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	36%
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	28%
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	59%
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	51%
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% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Flatlined Growth

risk

#13 of 58 • Bottom 11.7% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

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

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 1.29%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.11% points, National: 0.05% points)

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: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.48%

(Tier: 3.65%, 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

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#240 of 550 • Bottom 14.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.48%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 63.86%

(Tier: 59.95%, National: 63.68%)

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

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.61%

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.24%

Peer Avg: -

#14 of 169 Top 7.7% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.85%

Peer Avg: -

#23 of 169 Top 13.0% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 410.158

Peer Avg: -

#28 of 169 Top 16.0% in 500M-750M tier

Top Weaknesses (4 metrics)

156

Loan Growth Rate

growth

Value: -6.48%

Peer Avg: -

#156 of 169 Bottom 8.3% in 500M-750M tier

153

Fee Income Per Member

profitability

Value: $120.68

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

146

AMR Growth Rate

growth

Value: -1.60%

Peer Avg: -

#146 of 169 Bottom 14.2% in 500M-750M tier

138

Deposit Growth Rate

growth

Value: 0.28%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier