Commonwealth
Frankfort, KY · Charter 61437 · Peer group: credit unions $1B-$10B in assets (n=413)
NCUA · 18 branches
Q4 2024
$2.5BAssets
$1.8BLoans
$2.1BShares
$282.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions $1B-$10B in assets (rank 28 of 413).
- Widest gap: nonperforming loans / loans trails 52% of credit unions $1B-$10B in assets (rank 217 of 413).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.16%
Rank 45 of 413
Net Interest Margin
3.06%
Rank 180 of 413
Efficiency Ratio
64.67%
Rank 69 of 413
Equity / Assets
11.39%
Rank 158 of 413
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.30% | 0.60% | 0.87% | Beats 89% | 45 / 413 | | |
| Return on Equity | 10.14% | 2.83% | 5.49% | 7.94% | Beats 93% | 28 / 413 | | |
| Net Interest Margin | 3.06% | 2.56% | 2.96% | 3.37% | Beats 56% | 180 / 413 | | |
| Efficiency Ratio | 64.67% | 67.55% | 74.86% | 81.03% | Beats 84% | 69 / 413 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.44% | 0.68% | 1.01% | Beats 48% | 217 / 413 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.39% | 9.62% | 10.67% | 12.29% | Beats 62% | 158 / 413 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.39% | 9.62% | 10.67% | 12.29% | Beats 62% | 158 / 413 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.71% | 78.44% | 89.19% | 96.66% | 38th pctl | 258 / 413 | | |
| Loans / Assets | 72.85% | 68.04% | 74.91% | 81.25% | 42nd pctl | 239 / 413 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |