BlastPoint's Credit Union Scorecard
COMMONWEALTH CENTRAL
Charter #61741 · CA
COMMONWEALTH CENTRAL has 2 strengths but faces 7 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Share Certificate Concentration (%): Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 14.5% in tier
- - Stagnation Risk: Bottom 75.9% in tier
- - Membership Headwinds: Bottom 75.9% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 1.06% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,678
-2.3% YoY+0.4% QoQ
|
-401 |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$626.9M
+0.0% YoY+1.6% QoQ
|
+$7.2M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$439.2M
-3.8% YoY-2.1% QoQ
|
+$19.9M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$533.1M
-1.2% YoY+1.5% QoQ
|
$-6.4M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.6%
-23.5% YoY-32.6% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
4.1%
-0.6% YoY-4.0% QoQ
|
+0.6% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
79.4%
+3.1% YoY+5.1% QoQ
|
+1.1% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.3%
-9.2% YoY-56.4% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
82.4%
-2.6% YoY-3.6% QoQ
|
+4.7% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$25,806
-0.1% YoY-0.5% QoQ
|
$-1K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
11.1%
+2.2% YoY+0.5% QoQ
|
-13.2% | 24.3% | 21.6% | 19.8% | Bottom 10.0% in tier |
| Indirect Auto % |
10.9%
-15.0% YoY-0.4% QoQ
|
-2.9% | 13.8% | 9.0% | 7.7% | 55% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)