TellerScore

Commonwealth One Federal Credit Union (NCUA charter #5134) is based in Alexandria, Virginia. Its Q2 2026 call report shows $501.7M in total assets and $432.9M in member shares and deposits and 7 offices across 2 states.

Commonwealth One Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 12% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 74th. Funding & liquidity contributes the most (76/100, 84% loans-to-deposits, 6% uninsured); capital cushion contributes the least (33/100, 8.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.30%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.29%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity76/100
Loans ÷ shares: 84.1% · 6.2% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (45 → 55), mostly because the earnings component improved by 26 points.

TellerScore
404855Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202443
Q4 202440
Q1 202542
Q2 202545
Q3 202545
Q4 202542
Q1 202641
Q2 202655
Net worth ratio
7.00%7.65%8.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.75%
Q3 20248.20%
Q4 20247.90%
Q1 20257.57%
Q2 20257.92%
Q3 20258.25%
Q4 20258.15%
Q1 20267.67%
Q2 20268.30%
Delinquent loans (60+ days)
1.29%1.51%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.38%
Q3 20241.52%
Q4 20241.57%
Q1 20251.40%
Q2 20251.65%
Q3 20251.63%
Q4 20251.73%
Q1 20261.39%
Q2 20261.29%
Return on assets
-0.71%0.14%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.43%
Q3 2024-0.00%
Q4 2024-0.32%
Q1 2025-0.14%
Q2 20250.33%
Q3 20250.21%
Q4 20250.02%
Q1 2026-0.71%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$501.7M8.30%1.29%0.98%84.1%
Q1 202641$509.3M7.67%1.39%-0.71%82.3%
Q4 202542$520.9M8.15%1.73%0.02%85.2%
Q3 202545$521.3M8.25%1.63%0.21%86.1%
Q2 202545$543.6M7.92%1.65%0.33%86.8%
Q1 202542$555.0M7.57%1.40%-0.14%85.9%
Q4 202440$559.9M7.90%1.57%-0.32%90.5%
Q3 202443$565.7M8.20%1.52%-0.00%98.3%
Q2 202440$582.2M7.75%1.38%-0.43%96.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.30%
5th
Problem loans1.29%
19th
Net charge-offs1.15%
6th
Return on assets0.98%
65th
Loans to deposits84.1%
31st
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio12.2%
9th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Valleystar Credit UnionCredit union Martinsville, VA45 out of 100, Below average$503.4M10.3%1.76%vs
Henrico Federal Credit UnionCredit union Henrico, VA64 out of 100, Moderate$499.7M10.7%1.44%vs
Topside Federal Credit UnionCredit union Dahlgren, VA63 out of 100, Moderate$492.1M8.8%1.14%vs
Arlington Community Federal Credit UnionCredit union Arlington, VA55 out of 100, Moderate$537.8M8.0%0.44%vs
Spectra Federal Credit UnionCredit union Alexandria, VA45 out of 100, Below average$544.4M8.7%1.85%vs
Call Federal Credit UnionCredit union Glen Allen, VA67 out of 100, Moderate$557.1M10.5%0.60%vs

Deposit insurance

Is my money safe at Commonwealth One Federal Credit Union?

Yes. Commonwealth One Federal Credit Union is a federally insured credit union (NCUA charter #5134). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.2% of shares and deposits ($26.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.30%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Commonwealth One Federal Credit Union lists 7 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commonwealth One Federal Credit Union
Type
Federal credit union
NCUA charter #
5134
RSSD ID
792172
Primary regulator
NCUA
Established
1944
Headquarters
Po Box 9997, Alexandria, VA 22304
Employees
87

Quick answers

Commonwealth One Federal Credit Union: common questions

Is Commonwealth One Federal Credit Union NCUA insured?

Yes. Commonwealth One Federal Credit Union is a federally insured credit union (NCUA charter #5134). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Commonwealth One Federal Credit Union's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Commonwealth One Federal Credit Union have?

7 offices as of the latest NCUA data, in 2 states.

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