PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commonwealth

Frankfort, KY · Charter 24970

NCUA · 18 branches

Q2 2026

$2.9BAssets
$2.2BLoans
$2.6BShares
$328.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.55%, up 52 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.87% of loans (+28 bps YoY).
  • Capital: net worth / assets of 11.26%, up 4 bps from a year ago.
  • Funding: loans stand at 84.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+24 bps YoY

Efficiency Ratio (YTD, annualized)

57.75%-572 bps YoY

Net Worth / Assets

11.26%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.07%0.93%1.35%1.55%+52 bps
Return on Equity9.13%9.40%8.38%12.10%13.74%+461 bps
Net Interest Margin3.29%3.39%3.38%3.59%3.53%+24 bps
Efficiency Ratio63.47%63.34%61.22%60.11%57.75%-572 bps
Growth
Asset Growth (YoY)n/an/an/a10.38%10.89%n/a
Loan Growth (YoY)n/an/an/a13.77%11.50%n/a
Share Growth (YoY)n/an/an/a11.55%12.13%n/a
Asset Quality
Delinquent Loans / Loans0.59%0.77%0.76%0.67%0.87%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.23%11.41%11.14%11.14%11.26%+4 bps
Net Worth / Assets11.23%11.41%11.14%11.14%11.26%+4 bps
Liquidity & Funding
Loans / Shares84.55%86.83%86.41%83.80%84.07%-47 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps