Federal credit union · CRANBERRY TOWNS, Pennsylvania · NCUA charter #8313
COMMONROOTS
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $14.5M
- Total assets
- 1,721
- Members
- 7.2%
- Net-worth ratio
COMMONROOTS scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.5M; members 1,721; net-worth ratio 7.17%; health rank #3,679 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,679 of 4,374 health · 2025Q4COMMONROOTS · health 69/100 · $14.5M · 2025Q4
- ASSETS 69/100
- MEM 7.2%
- RANK 0.11%
- PHOTO 0.22%
- BOOK $14.5M
- CHARTER 1,721
- NCUSIF #3,679/4,374
- CAMELS PROFINANCE
- HEALTH 8313
Call Report peers
COMMONROOTS in the assets neighbourhood
COMMONROOTS's $14.5M assets sit next to PROFINANCE ($14.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMMONROOTS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
COMMONROOTS - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8313 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
COMMONROOTS vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.11% here, 1.15% peer average (-1.04 pp).
- Loan-to-Share Ratio trails the peer set - 48.38% here, 59.80% peer average (-11.42 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where COMMONROOTS sits in Pennsylvania
- Health composite ranks #224 of 275 among scored Pennsylvania credit unions.
- By total assets, COMMONROOTS is #187 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #174 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COMMONROOTS: 2024Q4 → 2025Q4
COMMONROOTS: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -11.4% from $16.3M (2024Q4) to $14.5M (2025Q4).
- Membership moved -6.7% from 1,845 to 1,721 over the same window.
- Net-worth ratio shifted -1.97 pp (9.14% → 7.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 22.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.2 pts
COMMONROOTS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.17% | -7.69 pp |
| Delinquency Rate | 0.11% | -1.04 pp |
| Return on Assets | 0.22% | -0.48 pp |
| Member Growth | -6.72% | - |
| Loan-to-Share Ratio | 48.38% | -11.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $14.5M | 1,721 |
| 2024Q4 | $16.3M | 1,845 |
| 2023Q4 | $18.4M | 1,988 |
Credit Union Details
- Charter Number
- 8313
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- CRANBERRY TOWNS
- Data Quarter
- 2025Q4
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near COMMONROOTS
Cross-state asset and health neighbours for COMMONROOTS - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- COMMONROOTS ranks #3,679 of 4,374 nationally on financial health and #224 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transit Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transit Workers
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is COMMONROOTS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, COMMONROOTS carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,679 of 4,374; by total assets it ranks #3,339 of 4,374 nationally (same basis as /rankings/largest); and #187 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.17% net worth ratio and a 0.11% delinquency rate.
How does COMMONROOTS compare to other credit unions?
PlainCU's health composite puts COMMONROOTS at 69/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join COMMONROOTS?
COMMONROOTS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMMONROOTS directly for the exact boundaries and application steps.
Is my money safe at COMMONROOTS?
Federal credit unions like COMMONROOTS are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COMMONROOTS's net worth ratio of 7.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMMONROOTS offer compared to banks?
Credit unions like COMMONROOTS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact COMMONROOTS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.