Commonwealth
Commonwealth is a credit union based in Frankfort, Kentucky, established in 1951, with $2.8 billion in total assets serving 144,367 members. By Trust Grade it ranks 21st of 52 credit unions we track in Kentucky. Its net worth ratio of 11.1% is stronger than 58% of similarly sized credit unions, versus a Kentucky median of 12.8%. It was profitable over the most recent period, with a 1.35% return on assets. No consumer complaints against Commonwealth appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Commonwealth compares to Kentucky peers
How we graded Commonwealth
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Strongly profitable (ROA 1.35%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Commonwealth over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Commonwealth insured?
Yes. Commonwealth is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Commonwealth: frequently asked questions
Is Commonwealth a good credit union?
Commonwealth earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Strongly profitable (ROA 1.35%).
Is Commonwealth NCUA-insured?
Yes. Commonwealth is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Commonwealth?
Commonwealth holds $2.8 billion in total assets, ranking 21st of 52 credit unions we track in Kentucky. It serves 144,367 members.
Does Commonwealth have CFPB complaints?
No CFPB complaints against Commonwealth appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
