Federal credit union · Bourbonnais, Illinois · NCUA charter #97095
COMMONWEALTH
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $118.0M
- Total assets
- 9,635
- Members
- 13.3%
- Net-worth ratio
COMMONWEALTH scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $118.0M; members 9,635; net-worth ratio 13.31%; health rank #764 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#764 of 4,374 health · 2025Q4COMMONWEALTH · health 92/100 · $118.0M · 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
The busiest band is 85-89 (858 credit unions); COMMONWEALTH sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for COMMONWEALTH
- Largest favorable gap: Loan-to-Share Ratio at 79.80% vs peer 72.20% (+7.60 pp).
Where COMMONWEALTH sits in Illinois
- Illinois health ordinal: #30 of 192.
- Assets rank #51 of 192 inside Illinois ($118.0M reported).
- Illinois membership ordinal: #50 of 192.
- One place up in Illinois, Dupage County Employees (#29) ties at 92/100; one place down, Blackhawk Area (#31) ties at 92/100.
COMMONWEALTH Call Report trajectory
COMMONWEALTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $118.0M (2025Q4) to $123.4M (2026Q1).
- Net-worth ratio shifted -0.31 pp (13.62% → 13.31%).
13.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
COMMONWEALTH gives up 8 points in total. Member Growth costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | +1.20 pp |
| Delinquency Rate | 0.29% | -0.61 pp |
| Return on Assets | 1.11% | +0.49 pp |
| Member Growth | -1.35% | - |
| Loan-to-Share Ratio | 79.80% | +7.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $123.4M | - |
| 2025Q4 | $118.0M | 9,635 |
| 2024Q4 | $118.4M | 9,767 |
| 2023Q4 | $116.6M | 9,967 |
Credit Union Details
- Charter Number
- 97095
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Bourbonnais
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for COMMONWEALTH.
| Office | City |
|---|---|
| CommonWealth Credit Union (Main Office) | Bourbonnais, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Other-state peers near COMMONWEALTH
Using this data
- COMMONWEALTH ranks #764 of 4,374 nationally on financial health and #30 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A.A.E.C. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A.A.E.C.
Frequently Asked Questions
Is COMMONWEALTH financially healthy?
On its 2025Q4 NCUA 5300 filing, COMMONWEALTH scores 92/100 (Excellent), with a 13.31% net worth ratio and 0.29% of loans delinquent. It ranks #764 of 4,374 nationally on health and #30 of 192 in Illinois.
How does COMMONWEALTH compare to other credit unions?
COMMONWEALTH scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.80% vs 72.20%).
How can I join COMMONWEALTH?
Membership eligibility for COMMONWEALTH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COMMONWEALTH directly for current membership requirements 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 13.31% 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.