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
Call Report peers
COMMONWEALTH in the assets neighbourhood
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
COMMONWEALTH sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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%).
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).
- One place up in Kentucky, OWENSBORO (#22) ties at 85/100; one place down, F.C.I. Ashland (#24) scores 84/100, 1 point lower.
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%).
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
COMMONWEALTH gives up 15 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is COMMONWEALTH financially healthy?
On its 2025Q4 NCUA 5300 filing, COMMONWEALTH scores 85/100 (Excellent), with a 11.14% net worth ratio and 0.76% of loans delinquent. It ranks #1,990 of 4,374 nationally on health and #23 of 54 in Kentucky.
How does COMMONWEALTH compare to other credit unions?
COMMONWEALTH scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.41% vs 83.90%). Its widest shortfall is return on assets (0.00% vs 0.51%).
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?
COMMONWEALTH is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.