Commonwealth One Federal Credit Union
Total assets
$509.3M
▼ -8.2% YoY
Shares & deposits
$442.1M
▼ -0.8% YoY
Loans
$363.8M
▼ -5.0% YoY
Members
28,734
▼ -22.8% YoY
ROA (annualized)
-0.71%
peers 0.62%
ROE (annualized)
-9.19%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +4.8% | -13.0 pts |
| Share growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| Loan growth (YoY) | -5.0% | +4.3% | -9.3 pts |
| ROA | -0.71% | 0.62% | -1.3 pts |
| ROE | -9.2% | 5.9% | -15.1 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1944
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 9997, Alexandria, VA, 22304
- NCUA charter #
- 5134
- RSSD ID
- 792172
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $509.3M | $442.1M | $363.8M | $39.1M | $-898K | -0.71% | 3.67% | 1.39% | 28,734 |
| Q4 2025 | $520.9M | $435.5M | $371.0M | $42.5M | $114K | 0.02% | 3.58% | 1.73% | 38,918 |
| Q3 2025 | $521.3M | $435.1M | $374.4M | $43.0M | $806K | 0.21% | 3.54% | 1.63% | 39,829 |
| Q2 2025 | $543.6M | $439.9M | $381.7M | $43.1M | $892K | 0.33% | 3.35% | 1.65% | 37,202 |
| Q1 2025 | $555.0M | $445.5M | $382.9M | $42.0M | $-201K | -0.14% | 3.16% | 1.40% | 37,202 |
| Q4 2024 | $559.9M | $433.8M | $392.6M | $44.3M | $-1.8M | -0.32% | 3.02% | 1.57% | 37,340 |
| Q3 2024 | $565.7M | $410.3M | $403.2M | $46.4M | $-13K | -0.00% | 2.97% | 1.52% | 38,127 |
| Q2 2024 | $582.2M | $424.4M | $410.3M | $45.2M | $-1.3M | -0.43% | 2.90% | 1.38% | 38,436 |
Loan mix (Q1 2026): real estate $227.3M · commercial $4.0M · consumer $123.2M · securities $96.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.62% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -9.2% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.48% | 68th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 78.3% | 98th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Abnb Federal Credit UnionChesapeake, VA · $947.8M
- Homeland Credit UnionChillicothe, OH · $619.8M
- Southpoint Financial Credit UnionSleepy Eye, MN · $620.0M
- G.P.O. Federal Credit UnionNew Hartford, NY · $621.7M
- Floridacentral Credit UnionTampa, FL · $622.0M
- Coast360 Federal Credit UnionMaite, GU · $625.6M
Selling to Commonwealth One Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.