BlastPoint's Credit Union Scorecard
COMMONROOTS
Charter #8313 · PA
COMMONROOTS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.58% below tier average
- - Efficiency ratio 75.44% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Net Worth Ratio: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,721
-6.7% YoY-1.9% QoQ
|
-894 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$14.5M
-11.4% YoY-6.3% QoQ
|
$-15.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$6.5M
-13.2% YoY-1.2% QoQ
|
$-9.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$13.5M
-9.4% YoY-3.9% QoQ
|
$-12.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
-3.0%
-1583.6% YoY+620.5% QoQ
|
-3.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.1% in tier |
| NIM |
4.5%
+2.9% YoY+7.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
158.0%
+72.1% YoY+40.6% QoQ
|
+75.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
0.1%
-81.9% YoY-87.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
48.4%
-4.2% YoY+2.7% QoQ
|
-12.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$11,619
-4.2% YoY-1.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
12.1%
-32.0% YoY+0.4% QoQ
|
-12.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)