BlastPoint's Credit Union Scorecard

COMMONROOTS

Charter #8313 ยท PA

2596 CUs in <100M nationally 198 in PA

COMMONROOTS has 3 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.28% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.09% below tier average
  • - Efficiency ratio 30.97% above tier (higher cost structure)
  • - Member decline: -7.1% YoY
  • - Member Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 1,755
-7.1% YoY-2.4% QoQ
-870 2,625
-2.2% YoY
17,552
+5.9% YoY
33,089
+6.1% YoY
46%
Assets $15.4M
-4.9% YoY-0.8% QoQ
$-14.4M $29.9M
+1.1% YoY
$283.8M
+10.6% YoY
$547.7M
+7.8% YoY
42%
Loans $6.6M
-15.8% YoY-6.6% QoQ
$-9.2M $15.8M
-2.4% YoY
$193.1M
+8.6% YoY
$388.7M
+8.6% YoY
40%
Deposits $14.0M
-5.1% YoY-0.7% QoQ
$-11.4M $25.5M
+0.4% YoY
$243.3M
+10.9% YoY
$464.6M
+9.3% YoY
44%

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ROA -0.4%
-398.7% YoY+29.8% QoQ
-1.1% 0.7%
-731.4% YoY
0.8%
+22.9% YoY
0.7%
+273.4% YoY
Bottom 9.8% in tier
NIM 4.2%
-0.7% YoY+3.0% QoQ
+0.3% 3.9%
+3.8% YoY
3.5%
+4.5% YoY
3.7%
+5.0% YoY
63%
Efficiency Ratio 112.4%
+25.9% YoY+0.3% QoQ
+31.0% 81.4%
-2.4% YoY
76.2%
-1.5% YoY
79.1%
-3.3% YoY
Top 5.7% in tier
Delinquency Rate 0.9%
+13.4% YoY+27.2% QoQ
-0.6 1.5%
-2.0% YoY
1.3%
-8.2% YoY
1.2%
-0.9% YoY
57%
Loan To Share 47.1%
-11.2% YoY-5.9% QoQ
-14.1% 61.2%
-3.0% YoY
55.4%
-2.3% YoY
68.0%
-1.7% YoY
29%
AMR $11,749
-1.8% YoY-0.2% QoQ
$-3K $14,627
-2.7% YoY
$16,339
+4.2% YoY
$19,418
+1.3% YoY
38%
CD Concentration 12.1%
-32.0% YoY-10.3% QoQ
-12.3% 24.4%
+4.2% YoY
15.5%
+9.2% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
8.0%
+2.0% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
101
Net Charge-Off Rate
risk
Value: -0.13%
Peer Avg: -
#101 of 2596 Top 3.9% in <100M tier

Top Weaknesses (8 metrics)

2448
Efficiency Ratio
profitability
Value: 112.36%
Peer Avg: -
#2448 of 2596 Bottom 5.7% in <100M tier
2342
Return on Assets (ROA)
profitability
Value: -0.41%
Peer Avg: -
#2342 of 2596 Bottom 9.8% in <100M tier
2338
Member Growth Rate
growth
Value: -7.14%
Peer Avg: -
#2338 of 2596 Bottom 10.0% in <100M tier
2322
Loan Growth Rate
growth
Value: -15.77%
Peer Avg: -
#2322 of 2596 Bottom 10.6% in <100M tier
2287
Net Worth Ratio
risk
Value: 9.36%
Peer Avg: -
#2287 of 2596 Bottom 11.9% in <100M tier
2231
Asset Growth Rate
growth
Value: -4.92%
Peer Avg: -
#2231 of 2596 Bottom 14.1% in <100M tier
2152
Deposit Growth Rate
growth
Value: -5.12%
Peer Avg: -
#2152 of 2596 Bottom 17.1% in <100M tier
2071
First Mortgage Concentration (%)
balance_sheet
Value: 30.17%
Peer Avg: -
#2071 of 2596 Bottom 20.3% in <100M tier
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