BlastPoint's Credit Union Scorecard
COMMONWEALTH CENTRAL
Charter #61741 · CA
COMMONWEALTH CENTRAL has 3 strengths but faces 11 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
- + ROA 0.27% above tier average
- + Net Interest Margin 0.80% above tier average
- + Share Certificate Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5.0% in tier
- - Margin Compression: Bottom 33.6% in tier
- - Institutional Decline: Bottom 34.3% in tier
- - Stagnation Risk: Bottom 42.1% in tier
- - Membership Headwinds: Bottom 60.2% in tier
- - Credit Quality Pressure: Bottom 67.6% in tier
- - Accelerating Exit Risk: Bottom 80.0% in tier
- - Cost Spiral: Bottom 80.0% in tier
- - Shrinking Wallet Share: Bottom 96.1% in tier
- - Member decline: -2.1% YoY
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,525
-2.1% YoY-3.7% QoQ
|
-1.1K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$617.0M
+0.4% YoY+0.3% QoQ
|
$-4.8M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$448.6M
-5.0% YoY-1.0% QoQ
|
+$18.8M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$524.9M
-0.7% YoY-0.1% QoQ
|
$-13.8M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.9%
-24.6% YoY+7.6% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.2%
+1.0% YoY+0.2% QoQ
|
+0.8% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
75.6%
+7.2% YoY-0.1% QoQ
|
-1.9% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.6%
+24.3% YoY+42.3% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
85.5%
-4.4% YoY-0.8% QoQ
|
+5.6% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$25,945
-0.6% YoY+3.3% QoQ
|
$-904 |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
11.0%
+6.5% YoY+4.0% QoQ
|
-13.4% | 24.4% | 21.7% | 19.8% | Bottom 10.0% in tier |
| Indirect Auto % |
10.9%
-15.0% YoY-5.5% QoQ
|
-2.8% | 13.8% | 9.2% | 7.8% | 56% |
Signature Analysis
Strengths (0)
Concerns (9)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)