Commonwealth
Frankfort, KY · Charter 24970 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$2.9BAssets
$2.2BLoans
$2.6BShares
$328.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions $1B-$10B in assets (rank 15 of 435).
- Widest gap: nonperforming loans / loans trails 65% of credit unions $1B-$10B in assets (rank 284 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.55%
Rank 32 of 435
Net Interest Margin
3.53%
Rank 174 of 435
Efficiency Ratio
57.75%
Rank 38 of 435
Equity / Assets
11.26%
Rank 183 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.55% | 0.81% | 1.14% | Beats 93% | 32 / 435 | | |
| Return on Equity | 13.74% | 5.12% | 7.41% | 9.70% | Beats 97% | 15 / 435 | | |
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 60% | 174 / 435 | | |
| Efficiency Ratio | 57.75% | 65.25% | 71.39% | 77.86% | Beats 91% | 38 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.45% | 0.69% | 1.05% | Beats 35% | 284 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.26% | 9.81% | 10.84% | 12.63% | Beats 58% | 183 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.26% | 9.81% | 10.84% | 12.63% | Beats 58% | 183 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.08% | 78.33% | 88.38% | 95.61% | 38th pctl | 269 / 435 | | |
| Loans / Assets | 74.05% | 67.69% | 74.58% | 80.80% | 47th pctl | 229 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |