Credit Union Safety Analysis
Is Commonwealth Credit Union Safe? Bourbonnais, Illinois
Based on its Q2 2026 NCUA 5300 call report, Commonwealth Credit Union has a net worth ratio of 13.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Commonwealth Credit Union's net worth ratio is 13.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.23%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 1.62%
- Loan-to-share ratio (Q2 2026): 74.82%
Commonwealth Credit Union (NCUA charter 97095, established 1951) reported $128.1M in assets and 9,731 members for Q2 2026 from Bourbonnais, Illinois. It ranks 46 of 185 credit unions in Illinois by total assets. Total assets grew 9.1% from $117.4M on June 30, 2025. It has 47 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.21 percentage points from 13.02% on June 30, 2025. Used vehicle loans are its largest loan category, $33.1M of $83.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.31% for Q1 2026; 13.02% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.09% for Q1 2026; 0.24% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.15% for Q1 2026; 1.38% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.06% for Q1 2026; 81.13% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $33.1M
- 1- to 4-family residential and other consumer real estate loans: $28.1M
- New vehicle loans: $19.0M
- Other unsecured loans and lines of credit: $2.1M
- Other secured non-real estate loans and lines of credit: $461K
- Commercial loans: $347K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $128.1M | 13.23% | 0.43% | 1.62% | 74.82% |
| March 31, 2026 | $123.4M | 13.31% | 0.09% | 1.15% | 78.06% |
| December 31, 2025 | $118.0M | 13.62% | 0.29% | 1.19% | 79.80% |
| September 30, 2025 | $116.1M | 13.54% | 0.17% | 1.49% | 82.46% |
| June 30, 2025 | $117.4M | 13.02% | 0.24% | 1.38% | 81.13% |
| March 31, 2025 | $120.1M | 12.40% | 0.14% | 1.22% | 77.11% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Commonwealth Credit Union profile
Regulator records: NCUA credit union profile (charter 97095) · FFIEC NIC profile (RSSD 497299)
Frequently asked questions
Is Commonwealth Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Commonwealth Credit Union's net worth ratio is 13.23%, above the 7% NCUA threshold for well capitalized.
Is Commonwealth Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Commonwealth Credit Union is a federally insured credit union (NCUA charter 97095): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Commonwealth Credit Union's key safety ratios?
For Q2 2026, Commonwealth Credit Union reports net worth 13.23%, delinquency 0.43%, ROA 1.62%, loan-to-share 74.82%.
What happens to my money if Commonwealth Credit Union fails?
For Q2 2026, Commonwealth Credit Union held $111.0M in shares and deposits for 9,731 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.