Commonwealth
Bourbonnais, IL · Charter 97095 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$128.1MAssets
$83.1MLoans
$111.0MShares
$16.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions under $1B in assets in IL (rank 9 of 50).
- Widest gap: equity / assets trails 52% of credit unions under $1B in assets in IL (rank 26 of 50).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.36%
Rank 12 of 50
Net Interest Margin
3.72%
Rank 25 of 50
Efficiency Ratio
63.94%
Rank 9 of 50
Equity / Assets
13.23%
Rank 26 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.49% | 0.97% | 1.35% | Beats 76% | 12 / 50 | |
| Return on Equity | 10.28% | 3.76% | 7.55% | 10.28% | Beats 74% | 13 / 50 | |
| Net Interest Margin | 3.72% | 3.15% | 3.72% | 4.20% | Beats 50% | 25 / 50 | |
| Efficiency Ratio | 63.94% | 67.18% | 75.90% | 80.66% | Beats 84% | 9 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.14% | 0.47% | 0.87% | Beats 58% | 22 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 10.68% | 13.50% | 16.38% | Beats 48% | 26 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.23% | 10.68% | 13.50% | 16.38% | Beats 48% | 26 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 74.82% | 55.23% | 70.87% | 80.60% | 62nd pctl | 19 / 50 | |
| Loans / Assets | 64.83% | 43.53% | 60.64% | 68.47% | 60th pctl | 20 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |