COMMONWEALTH
Federal • Frankfort, Kentucky • Est. 1951
Quick Facts
- Charter Number
- #24970
- Type
- Federal
- Established
- 1951
- Headquarters
- Frankfort, Kentucky 40602-0978
- Address
- PO Box 978
- Branches
- 18
- ATMs
- 18
- Members
- 140,745
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
140,745 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMONWEALTH |
|---|---|
| Total Assets | $2.7B |
| Members | 140,745 |
| Loans Outstanding | $2.1B |
| Shares & Deposits | $2.4B |
| Net Worth | $306.1M |
| Net Worth Ratio | 11.14% |
| Loan-to-Share Ratio | 86.4% |
| Delinquency Rate | 0.76% |
| Net Income | +$49,930,980 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
18 locations · 18 ATMs
High Street Branch
Main Office417 High St
Frankfort, KY 40601
Sower Branch
101 Sower Blvd
Frankfort, KY 40601
Louisville Road Branch
1425 Louisville Rd
Frankfort, KY 40601
Meijer Way Branch
280 Meijer Way
Lexington, KY 40503
Lawrenceburg Branch
1015 Crossroad Dr
Lawrenceburg, KY 40342
Who Can Join COMMONWEALTH?
Membership Type: Occupational
Membership eligibility for COMMONWEALTH may vary. Contact the credit union directly to confirm qualification requirements.
Contact COMMONWEALTH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Kentucky RankingsFrequently Asked Questions
Yes. COMMONWEALTH is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COMMONWEALTH has 140,745 members and a potential membership field of 4,588,372 people.
COMMONWEALTH's net worth ratio is 11.14% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.1%, COMMONWEALTH meets this threshold.
COMMONWEALTH operates 18 branch locations and has access to 18 ATMs. The main office is located at 417 High St, Frankfort, KY 40601.
COMMONWEALTH was established in 1951. It is a federal credit union chartered under charter number 24970. The institution has been serving members for 75 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COMMONWEALTH. All financial data is for informational purposes only.