COMMONWEALTH
Charter #24970 · Frankfort, KY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.37% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.24% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.99% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.11% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMMONWEALTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.83B | 63th pct | 69th pct |
| Members | 144,367 | 59th pct | 61th pct |
| Net worth ratio | 11.14% | 58th pct | 62th pct |
| Return on average assets | 1.37% | 88th pct | 87th pct |
| Net interest margin | 3.64% | 70th pct | 56th pct |
| Cost of funds | 2.24% | 75th pct | 79th pct |
| Loan-to-share | 83.80% | 42th pct | 44th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 46th pct |
| Net charge-off ratio | 0.99% | 83th pct | 80th pct |
| Loan growth YoY | 4.56% | 78th pct | 89th pct |
| Share growth YoY | 8.34% | 88th pct | 95th pct |
| Efficiency ratio | 60.11% | 11th pct | 5th pct |
structural peer set hash: 98094f8ff2fe0a6ce6bebe8db2bb435f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.