TellerScore

Commonwealth Credit Union is a non-federally insured state credit union headquartered in Bourbonnais, Illinois, in business for about 75 years. At the end of Q2 2026 it reported $128.1M in total assets and $111.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Commonwealth Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 55th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is earnings (74/100; 1.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.23%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity85/100
Loans ÷ shares: 74.8% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).

TellerScore
818486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202482
Q4 202481
Q1 202582
Q2 202583
Q3 202586
Q4 202585
Q1 202685
Q2 202683
Net worth ratio
7.00%10.31%13.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.59%
Q3 202412.18%
Q4 202412.27%
Q1 202512.40%
Q2 202513.02%
Q3 202513.54%
Q4 202513.62%
Q1 202613.31%
Q2 202613.23%
Delinquent loans (60+ days)
0.07%0.25%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.12%
Q4 20240.18%
Q1 20250.14%
Q2 20250.24%
Q3 20250.17%
Q4 20250.29%
Q1 20260.09%
Q2 20260.43%
Return on assets
1.11%1.24%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.30%
Q4 20241.11%
Q1 20251.22%
Q2 20251.31%
Q3 20251.38%
Q4 20251.32%
Q1 20261.15%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$128.1M13.23%0.43%1.36%74.8%
Q1 202685$123.4M13.31%0.09%1.15%78.1%
Q4 202585$118.0M13.62%0.29%1.32%79.8%
Q3 202586$116.1M13.54%0.17%1.38%82.5%
Q2 202583$117.4M13.02%0.24%1.31%81.1%
Q1 202582$120.1M12.40%0.14%1.22%77.1%
Q4 202481$118.4M12.27%0.18%1.11%75.9%
Q3 202482$118.0M12.18%0.12%1.30%78.0%
Q2 202481$120.7M11.59%0.07%1.29%75.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.23%
72nd
Problem loans0.43%
71st
Net charge-offs0.21%
69th
Return on assets1.36%
84th
Loans to deposits74.8%
52nd
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
74th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Gas and Electric Credit UnionCredit union Rock Island, IL72 out of 100, Strong$132.1M10.3%0.38%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs

Deposit insurance

Is my money safe at Commonwealth Credit Union?

Commonwealth Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Commonwealth Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commonwealth Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97095
RSSD ID
497299
Primary regulator
State + NCUA
Established
1951
Headquarters
PO Box 380, Bourbonnais, IL 60914
Employees
24

Quick answers

Commonwealth Credit Union: common questions

Is Commonwealth Credit Union NCUA insured?

Commonwealth Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Commonwealth Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Commonwealth Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bourbonnais

InstitutionScoreAssetsCapitalProblem loansCompare
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Fieldstone Credit UnionCredit union Bradley, IL84 out of 100, Strong$61.7M14.0%0.69%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs