Federal credit union · Frankfort, Kentucky · NCUA charter #24970
COMMONWEALTH
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $2.75B
- Total assets
- 140,745
- Members
- 11.1%
- Net-worth ratio
COMMONWEALTH scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.75B; members 140,745; net-worth ratio 11.14%; health rank #1,990 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,990 of 4,374 health · 2025Q4COMMONWEALTH · health 85/100 · $2.75B · 2025Q4
- CHARTER 85/100
- NCUSIF 11.1%
- CAMELS 0.76%
- HEALTH 0.00%
- NW $2.75B
- DELQ 140,745
- ROA #1,990/4,374
- ASSETS Three Rivers
- MEM 24970
Call Report peers
COMMONWEALTH in the assets neighbourhood
COMMONWEALTH's $2.75B assets sit next to Three Rivers ($2.74B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMMONWEALTH vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
COMMONWEALTH - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24970, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
COMMONWEALTH: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.51 pp (86.41% vs 83.90%).
- Widest shortfall vs peers is Return on Assets: -0.51 pp (0.00% vs 0.51%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where COMMONWEALTH sits in Kentucky
- Kentucky health ordinal: #23 of 54.
- Kentucky assets place: #1 of 54.
- Membership ranks #1 of 54 among Kentucky CUs with a reported count (140,745 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How COMMONWEALTH's 5300 filing moved
- Assets moved +3.1% from $2.75B (2025Q4) to $2.83B (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.14% → 11.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 26.4 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 18.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -0.04 pp |
| Delinquency Rate | 0.76% | -0.12 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 86.41% | +2.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.83B | - |
| 2025Q4 | $2.75B | 140,745 |
Credit Union Details
- Charter Number
- 24970
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Frankfort
- Data Quarter
- 2025Q4
Branch Locations (18)
Per its most recent NCUA branch filing, COMMONWEALTH runs 18 offices in 12 different cities.
| Office | City |
|---|---|
| High Street Branch (Main Office) | Frankfort, KY |
| Sower Branch | Frankfort, KY |
| Louisville Road Branch | Frankfort, KY |
| Georgetown East Branch | Georgetown, KY |
| Georgetown West Branch | Georgetown, KY |
| Harrodsburg Branch | Harrodsburg, KY |
| Lawrenceburg Branch | Lawrenceburg, KY |
| Meijer Way Branch | Lexington, KY |
| Hamburg Branch | Lexington, KY |
| St. Matthews Branch | Louisville, KY |
| Cane Run Road Branch | Louisville, KY |
| Nicholasville Branch | Nicholasville, KY |
| Owenton Branch | Owenton, KY |
| Prestonsburg Branch | Prestonsburg, KY |
| Richmond Branch | Richmond, KY |
| Shelbyville East Branch | Shelbyville, KY |
| Shelbyville West Branch | Shelbyville, KY |
| Versailles Branch | Versailles, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near COMMONWEALTH
COMMONWEALTH's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.75B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- COMMONWEALTH ranks #1,990 of 4,374 nationally on financial health and #23 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ABOUND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ABOUND
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is COMMONWEALTH financially healthy?
A 11.14% net worth ratio and a 0.76% delinquency rate feed into COMMONWEALTH's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,990 of 4,374; by total assets it ranks #179 of 4,374 nationally (same basis as /rankings/largest); and #1 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does COMMONWEALTH compare to other credit unions?
Five weighted metrics from NCUA filings produce COMMONWEALTH's 85/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join COMMONWEALTH?
COMMONWEALTH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMMONWEALTH directly for the exact boundaries and application steps.
Is my money safe at COMMONWEALTH?
Federal credit unions like COMMONWEALTH are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COMMONWEALTH's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMMONWEALTH offer compared to banks?
Credit unions like COMMONWEALTH are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact COMMONWEALTH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.