Commonwealth

Bourbonnais, IL · 3 · Charter #97095 · www.cwcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$118.0M
56th percentile
Members
9,635
67th percentile
Total loans
$81.1M
66th percentile
Total shares
$101.7M
57th percentile

Profitability

Return on assets
1.45%
75th percentile
Net interest margin
3.77%
56th percentile
Efficiency ratio
57.31%
66th percentile
Non-interest income ratio
12.35%
26th percentile

Capital & Risk

Net worth ratio
13.62%
66th percentile
Delinquency rate
0.29%
81th percentile
Net charge-off rate
0.08%
87th percentile
Loan-to-share
79.80%
70th percentile

Growth

Member growth YoY
-1.35%
41th percentile
Asset growth YoY
-0.31%
19th percentile
Loan growth YoY
3.13%
60th percentile
Share growth YoY
-1.95%
13th percentile

Operations

Members / branch
4,818
81th percentile
Assets / member
$12,249
31th percentile
Field of membership penetration
9.63%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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