Commonwealth Credit Union
Total assets
$123.4M
▲ +2.8% YoY
Shares & deposits
$106.8M
▲ +1.7% YoY
Loans
$83.4M
▲ +3.0% YoY
Members
9,691
▼ -1.1% YoY
ROA (annualized)
1.15%
peers 0.69%
ROE (annualized)
8.60%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.0 pts |
| ROA | 1.15% | 0.69% | +0.5 pts |
| ROE | 8.6% | 5.9% | +2.7 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 380, Bourbonnais, IL, 60914
- NCUA charter #
- 97095
- RSSD ID
- 497299
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $123.4M | $106.8M | $83.4M | $16.4M | $353K | 1.15% | 3.66% | 0.09% | 9,691 |
| Q4 2025 | $118.0M | $101.7M | $81.1M | $16.1M | $1.6M | 1.32% | 3.77% | 0.29% | 9,635 |
| Q3 2025 | $116.1M | $100.2M | $82.7M | $15.7M | $1.2M | 1.38% | 3.80% | 0.17% | 9,733 |
| Q2 2025 | $117.4M | $101.9M | $82.6M | $15.3M | $771K | 1.31% | 3.69% | 0.24% | 9,778 |
| Q1 2025 | $120.1M | $105.0M | $81.0M | $14.9M | $366K | 1.22% | 3.50% | 0.14% | 9,795 |
| Q4 2024 | $118.4M | $103.7M | $78.7M | $14.5M | $1.3M | 1.11% | 3.35% | 0.18% | 9,767 |
| Q3 2024 | $118.0M | $103.5M | $80.7M | $14.4M | $1.2M | 1.30% | 3.32% | 0.12% | 9,900 |
| Q2 2024 | $120.7M | $106.6M | $80.1M | $14.0M | $778K | 1.29% | 3.20% | 0.07% | 9,924 |
Loan mix (Q1 2026): real estate $28.5M · commercial $298K · consumer $54.0M · securities $8.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 78.7% | 18th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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