Federal credit union · ALEXANDRIA, Virginia · NCUA charter #5134
Commonwealth One
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $520.9M
- Total assets
- 38,918
- Members
- 7.7%
- Net-worth ratio
Commonwealth One scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $520.9M; members 38,918; net-worth ratio 7.67%; health rank #3,676 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,676 of 4,374 health · 2025Q4Commonwealth One · health 69/100 · $520.9M · 2025Q4
- BOOK 69/100
- CHARTER 7.7%
- NCUSIF 1.73%
- CAMELS -0.34%
- HEALTH $520.9M
- NW 38,918
- DELQ #3,676/4,374
- ROA Security First
- ASSETS 5134
Call Report peers
Commonwealth One in the assets neighbourhood
Commonwealth One's $520.9M assets sit next to Security First ($521.1M) 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.
Commonwealth One 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
Commonwealth One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5134, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Commonwealth One diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.18% vs peer 83.90% (+1.28 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.51 pp (7.67% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Commonwealth One
- In Virginia, health place is #75 of 95 on the same NCUA-ratio sort used nationally.
- By total assets, Commonwealth One is #22 of 95 in Virginia.
- Member book place in Virginia: #18 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Commonwealth One Call Report trajectory
Commonwealth One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.2% from $520.9M (2025Q4) to $509.3M (2026Q1).
- Net-worth ratio shifted -0.48 pp (8.15% → 7.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.67%, 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 24.2 pts
- Delinquency Rate 14.6 pts
- Return on Assets 1.4 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 14.7 pts
Commonwealth One health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.67% | -3.51 pp |
| Delinquency Rate | 1.73% | +0.85 pp |
| Return on Assets | -0.34% | -0.85 pp |
| Member Growth | 4.23% | - |
| Loan-to-Share Ratio | 85.18% | +1.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Commonwealth One filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $509.3M | - |
| 2025Q4 | $520.9M | 38,918 |
| 2024Q4 | $559.9M | 37,340 |
| 2023Q4 | $589.6M | 38,477 |
Credit Union Details
- Charter Number
- 5134
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Locations (9)
Commonwealth One operates 9 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Alexandria, VA |
| Main Branch | Alexandria, VA |
| ALEXANDRIA CITY HIGH SCHOOL | Alexandria, VA |
| HEC | Alexandria, VA |
| 4900 Seminary Rd Unit A101, Alexandria, VA | Alexandria, VA |
| DUKE STREET UNIT 16 | ALEXANDRIA, VA |
| JMU | Harrisonburg, VA |
| Harrisonburg Regional | Harrisonburg, VA |
| GAO | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Commonwealth One - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($520.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Commonwealth One ranks #3,676 of 4,374 nationally on financial health and #75 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CALL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CALL
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Commonwealth One financially healthy?
Commonwealth One has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,676 of 4,374; by total assets it ranks #734 of 4,374 nationally (same basis as /rankings/largest); and #22 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.67% and delinquency rate of 1.73%.
How does Commonwealth One compare to other credit unions?
69/100 is Commonwealth One's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Commonwealth One?
Commonwealth One 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 Commonwealth One directly for the exact boundaries and application steps.
Is my money safe at Commonwealth One?
Federal credit unions like Commonwealth One 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. Commonwealth One's net worth ratio of 7.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Commonwealth One offer compared to banks?
Credit unions like Commonwealth One 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 Commonwealth One 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.