Commonwealth Federal Credit Union is a federal credit union headquartered in Frankfort, Kentucky, in business for about 75 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.6B in member shares and deposits, with 15 offices.
Based on its Q2 2026 filing, Commonwealth Federal Credit Union scores 73/100, which we describe as strong. That is higher than 70% of 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Kentucky, it ranks 23rd. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (63/100; 11.26%).
TellerScore · Q2 2026
Scorecard
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.
6 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q1 2025 | 11.20% |
| Q2 2025 | 11.22% |
| Q3 2025 | 11.41% |
| Q4 2025 | 11.14% |
| Q1 2026 | 11.14% |
| Q2 2026 | 11.26% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q1 2025 | 0.56% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q1 2025 | 0.88% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.07% |
| Q4 2025 | 0.93% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $2.9B | 11.26% | 0.87% | 1.55% | 84.1% |
| Q1 2026 | 73 | $2.8B | 11.14% | 0.67% | 1.35% | 83.8% |
| Q4 2025 | 69 | $2.7B | 11.14% | 0.76% | 0.93% | 86.4% |
| Q3 2025 | 70 | $2.7B | 11.41% | 0.77% | 1.07% | 86.8% |
| Q2 2025 | 71 | $2.6B | 11.22% | 0.59% | 1.03% | 84.5% |
| Q1 2025 | 71 | $2.6B | 11.20% | 0.56% | 0.88% | 82.2% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| L & N Federal Credit UnionCredit union Louisville, KY | 72 out of 100, Strong | $2.6B | 10.6% | 0.26% | vs |
| University of Kentucky Federal Credit UnionCredit union Lexington, KY | 57 out of 100, Moderate | $1.8B | 10.9% | 0.97% | vs |
| Park Federal Credit UnionCredit union Louisville, KY | 63 out of 100, Moderate | $1.4B | 17.9% | 2.00% | vs |
Deposit insurance
Is my money safe at Commonwealth Federal Credit Union?
Yes. Commonwealth Federal Credit Union is a federally insured credit union (NCUA charter #24970). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.5% of shares and deposits ($193.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Commonwealth Federal Credit Union lists 15 offices in 10 cities. Most locations:
- Frankfort, KY (3)
- Lexington, KY (2)
- Louisville, KY (2)
- Shelbyville, KY (2)
- Georgetown, KY (1)
- Harrodsburg, KY (1)
- Nicholasville, KY (1)
- Owenton, KY (1)
- Prestonsburg, KY (1)
- Richmond, KY (1)
Identity & history
Profile
- Legal name
- Commonwealth Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24970
- RSSD ID
- 78193
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- PO Box 978, Frankfort, KY 40602
- Employees
- 389
Quick answers
Commonwealth Federal Credit Union: common questions
Is Commonwealth Federal Credit Union NCUA insured?
Yes. Commonwealth Federal Credit Union is a federally insured credit union (NCUA charter #24970). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Commonwealth Federal Credit Union's TellerScore?
73 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 Federal Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Frankfort
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Health & Education Federal Credit UnionCredit union Lexington, KY | 97 out of 100, Very strong | $125.8M | 17.7% | 0.23% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY | 84 out of 100, Strong | $208.1M | 10.4% | 0.00% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |