# COMMONWEALTH ONE
ALEXANDRIA, VA · NCUA charter 5134 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/commonwealth-one-5134

Who the members are: federal charter, multiple common bond, organized 1944, low-income designated. 28,734 members of 1,025,000 potential (2.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $509.3M |
| Members | 28,734 (-22.8% YoY) |
| Full-time staff | 84 |
| Net worth | $39.1M |
| Net worth ratio | 7.7% (p5 of band) |
| ROA (annualized) | -0.71% (p1 of band) |
| Total delinquency | 1.39% (p92 of band) |
| Net charge-offs (annualized) | 1.09% (p91 of band) |
| Loans / shares | 82% (p52 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 4.91% |
| Net interest margin | 3.67% (p68 of band) |
| Operating expense / assets | 4.49% (p87 of band) |
| Vehicles % of loans | 21% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 33% (p32 of band) |
| Vehicle delinquency | 1.19% (p84 of band) |
| Vehicle NCO | 1.19% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 24% |
| Average share balance | $8,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $43.8M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,022 |
| Loans granted, annualized | $71.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $43.8M outstanding purchased (112.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | margin squeeze |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 2 | charge-offs p90 | margin squeeze, net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 3 | delinquency 2x band, members leaving |  |
| 2022-03 | 2 | net worth falling, losing money | charge-offs p90, delinquency 2x band, members leaving |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | losing money |
| 2022-12 | 3 | thin capital, leaning on borrowings |  |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 4 | losing money | delinquency rising |
| 2023-09 | 4 | loans>95% of shares | losing money |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 7 | losing money, delinquency 2x band |  |
| 2024-06 | 6 |  | net worth falling |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 | assets shrinking | loans>95% of shares, delinquency rising |
| 2025-03 | 8 | net worth falling, charge-offs p90, members leaving |  |
| 2025-06 | 5 |  | losing money, net worth falling, charge-offs p90 |
| 2025-09 | 4 |  | members leaving |
| 2025-12 | 4 |  |  |
| 2026-03 | 7 | net worth falling, losing money, charge-offs p90, members leaving | leaning on borrowings |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [Arlington, CommonWealth One credit unions merge this week, creating $1B institution - ARLnow](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSkdCaTdFUER1Tk5QbjVYaFhtYzFUQzNoZ2JyVGlVSDBnODBwQVhMSk83Ty1aNVNWOEJCQWxreEk2WVZyX1ZOODd3eWVLM1JlWGpNRElYMWFPVnBCaFU5cF9obFZwSWxaWUJ2NndKcXU2elRSS0ZxZXRJU2k3QUNYU1dXQjdqbEs5YW1XOGV3Wm5uaV9qb09seW5Ld0xQMkUyZmN2NTBTOENHR3NZcVZFVTJnZTlpdw?oc=5) · ARLnow
- 2025-10-15 [CommonWealth One Federal Credit Union cuts ribbon at Shoppes at Foxchase - ALXnow](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMXVrWlc3TDNTTGpZdTBMQllkS2ctR0hjOEVNbUNXTXRlc2lKWGc3UjB1TXl6WXZDcm9OLVVCN1Zyb0dzSjRHMHBzRjR1b3JSR18wWktCd3ZHMmRfY1ZMclg0aE9lQXA2cjFhWnpTTkhLSjFFZ003OWdPd25LajRyeDBoSHd0UERHSV9ZeThiQ0RIbEg1dkM0WlRsdkEyN1FiMjBmel80b0VGcWc?oc=5) · ALXnow
- 2025-10-03 [CommonWealth One to cut ribbon on new bank at Shoppes at Foxchase - ALXnow](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTUlJeDJwUWgyeUJmV0s3YTdicHFpRkdyY0hwb0VfQ3dNMnlCV3R5T3I1bmZzTFB4ckdjc0EySjNSOUo4Y3BVYXE5cm1FRDNObUdmbzlDR3BNMnhlY2RkTFp2cVZDMVgzNEVWQ05haXpJLVdKRlFybVdkdC1iLTlpRGR0Y09wY3U3LVFqRThGMkFBV3d1MTBqblpRT1ltRG5nZnc?oc=5) · ALXnow
- 2022-05-04 [CommonWealth One Federal Credit Union appoints Jeff Klein as Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPeVprY3NNYnk4VkRwVklneVhsZ2Z6LWo3SjhNT3k4VWRuNTBMby1lTkdiaHN5VmVXLVNna1F3ZFJRaDdRU2QzTE9URThPakFTVUcxVUthRlp4eExySHd2RU1sc1F3aVJuTE9BWmU2RFNjOUdBSVF6d2Q3SlhiMTgtemE3a25wbDFoTGFBVzdHMG9mbmsyVjMyR3l6eUh4Z1hwd1hwREpHVUFscE1ZYjhDVjVMbFVLU0hPT181T012TUc?oc=5) · CUInsight
- 2022-04-13 [CommonWealth One Federal Credit Union Received the ALX Promise Gold Award for Upholding Exceptional Cleanliness, Health, and Safety Standards - WebWire](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1oMEZKTTVSLUk3ZFJORnk3UnlncFVDS2Q4eHEwcUJQeE9IcDROYkN1MWQtd1VDN1lZcHpCVmU5WnlGSkdUbEV3aTg4NUJrWWJnWDZxZ3FCNG5RNl83OVNnTA?oc=5) · WebWire
- 2025-09-30 [Arlington Community credit union plans a merger and a name change - ARLnow](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQVBjd3pITTIyb3JhcUhnQW1JMzJZaHlvUTZzb2Nfd1BJdU8xeldXNElvOS12b1A3N0Q4T1JZakhSelFnUU1lRnpGdVdTeDJqLUJfcndZYndGWjBkV0U5eklzX1pHUW5oQTJGRFdWMUdrX1M0bXZYcjh0YUdzSkVCY2hQQzJkcVhHM0lrNkV0aGRwZUpuM0hFRWdmOFhXOVJublE?oc=5) · ARLnow
- 2025-02-15 [CommonWealth One partners with James Madison University to host Inaugural FinTech Symposium - Rocktown Now](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVWhPc254bDRFN041TkF5RlhjV0hJdFhfNi1aMTZhNllhTUMwVTJLRndDeC0yX1g4eERaWmpZLWNjelpKcWU2M1RpWVhEbmhmQnVrLTB1ODFJRElBeFVmNzk5NEFnd1ZyNDMzRFBlcU5UZ3hTNnhkbDVjX05wYXpQazdvdVFPV1BQcFI3MDFhVUswRlFURjAtNUNMNFozWUt3RlhPbGx4b0V0OWJUMnFlaXQwMFk1TmR6Ny1YREtiYjQzNy1aRHE4?oc=5) · Rocktown Now
- 2022-05-04 [CommonWealth One Federal Credit Union appoints Chris Olinick as Chief Experience Officer - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNMzB2aTFleG9OcTNJVWhuVk1FODZjbXMyRG1qdjRCMGZJdTJ0cklPUm9GZGdySktETzRsVy01Ym5MTkY4VGpSN2pIaVBxRW9DWkpxOFRZQkJtRVhmVTg2LXc3UjlMYTF2cXNDaEZKUHBEMnhVX0c1RmR6a19pWnlGbU9YYVhCTzJMMXlqYTRfQWgyR211em9IdG9zNGZPZktkV2tKR2Ntc3ZkdHViWVdJdEhEdlJwckJQclhrZFVlS3U2T2hNVDZJMw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5134 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "5134", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5134
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide