COMMONWEALTH
Charter #97095 · Bourbonnais, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.78% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 34th — a 19-point gap showing why the peer definition matters.
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 | $123.44M | 15th pct | 34th pct |
| Members | 9,691 | 31th pct | 34th pct |
| Net worth ratio | 13.31% | 72th pct | 72th pct |
| Return on average assets | 1.17% | 78th pct | 64th pct |
| Net interest margin | 3.74% | 56th pct | 41th pct |
| Cost of funds | 0.78% | 29th pct | 21th pct |
| Loan-to-share | 78.06% | 63th pct | 62th pct |
| Delinquency 60+ days | 0.09% | 5th pct | 5th pct |
| Net charge-off ratio | 0.31% | 45th pct | 43th pct |
| Loan growth YoY | 0.87% | 55th pct | 46th pct |
| Share growth YoY | 6.55% | 85th pct | 69th pct |
| Efficiency ratio | 66.30% | 18th pct | 28th pct |
structural peer set hash: 00f68ca70fcb3ed33d46955392876f69… (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.