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
Call Report peers
Commonwealth One in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Commonwealth One sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Virginia, Kemba Roanoke (#74) scores 70/100, 1 point higher; one place down, Vantage Point (#76) scores 68/100, 1 point lower.
Commonwealth One Call Report trajectory
Commonwealth One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.2% from $520.9M (2025Q4) to $509.3M (2026Q1).
- Net-worth ratio shifted -0.48 pp (8.15% → 7.67%).
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
Commonwealth One gives up 31 points in total. Return on Assets costs the most, 13.6 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Commonwealth One financially healthy?
Commonwealth One has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,676 of 4,374 nationally on health and #75 of 95 in Virginia. Its net worth ratio is 7.67% and its delinquency rate 1.73%.
How does Commonwealth One compare to other credit unions?
Commonwealth One scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.18% vs 83.90%). Its widest shortfall is net worth ratio (7.67% vs 11.18%).
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?
Commonwealth One is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.