PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commonwealth

Bourbonnais, IL · Charter 97095

NCUA · 1 branch

Q2 2026

$128.1MAssets
$83.1MLoans
$111.0MShares
$16.9MNet 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 1.36%, up 5 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.43% of loans (+19 bps YoY).
  • Capital: net worth / assets of 13.23%, up 20 bps from a year ago.
  • Funding: loans stand at 74.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+2 bps YoY

Efficiency Ratio (YTD, annualized)

63.96%-250 bps YoY

Net Worth / Assets

13.23%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.38%1.32%1.15%1.36%+5 bps
Return on Equity10.08%10.20%9.66%8.60%10.28%+21 bps
Net Interest Margin3.69%3.80%3.77%3.66%3.72%+2 bps
Efficiency Ratio66.46%65.45%67.11%66.30%63.96%-250 bps
Growth
Asset Growth (YoY)-2.71%-1.55%-0.31%2.78%9.11%+1,181 bps
Loan Growth (YoY)3.16%2.37%3.13%2.97%0.52%-264 bps
Share Growth (YoY)-4.49%-3.13%-1.95%1.71%9.00%+1,349 bps
Asset Quality
Delinquent Loans / Loans0.24%0.17%0.29%0.09%0.43%+19 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 Capital13.02%13.54%13.62%13.31%13.23%+20 bps
Net Worth / Assets13.02%13.54%13.62%13.31%13.23%+20 bps
Liquidity & Funding
Loans / Shares81.13%82.46%79.80%78.06%74.82%-631 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps