COMMONWEALTH ONE
Charter #5134 · ALEXANDRIA, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.67% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.70% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.39% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.08% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.58% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMMONWEALTH ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $509.32M | 3th pct | 25th pct |
| Members | 28,734 | 13th pct | 28th pct |
| Net worth ratio | 7.67% | 5th pct | 10th pct |
| Return on average assets | -0.70% | 1th pct | 5th pct |
| Net interest margin | 3.63% | 62th pct | 54th pct |
| Cost of funds | 1.58% | 59th pct | 57th pct |
| Loan-to-share | 82.29% | 52th pct | 49th pct |
| Delinquency 60+ days | 1.39% | 92th pct | 95th pct |
| Net charge-off ratio | 1.08% | 91th pct | 80th pct |
| Loan growth YoY | -2.85% | 12th pct | 13th pct |
| Share growth YoY | 1.61% | 19th pct | 33th pct |
| Efficiency ratio | 99.58% | 98th pct | 93th pct |
structural peer set hash: c5e2ed44aac153fc25bde3e799439850… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.