COMMONWEALTH Credit Union Profile

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COMMONWEALTH

Charter #24970 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (502) 564-4775

Fax:

Founding Date: N/A

Website: http://www.ccuky.org

Personnel & Operations

President: Fawns, Randy

Manager: Harbin, Karen

FT Employees: 359

PT Employees: 14

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 18

Hours: 9:00-5:00 M-F

Credit Union Profile Summary

COMMONWEALTH is a FCU Credit Union. With a total of 134,963 members [1], this institution manages approximately $2,631,452,602 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.22% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.94% [1].

Financial Snapshot

Total Assets [1]
$2,631,452,602

Total economic resources.

Total Loans [1]
$1,937,707,218

Total value of outstanding loans.

Total Deposits [1]
$2,291,820,871

Total funds deposited by members.

Members [1]
134,963

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.22%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.06%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
84.55%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
16.02%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
11.94%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
6.60%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

417 High St

Frankfort, KY, 40601

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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