Commonwealth CU (KY)

Commonwealth CU (KY) is headquartered in Frankfort and is the 2^nd largest credit union in the state of Kentucky. It is also the 209^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 243 employees and 83,315 members. Commonwealth CU (KY) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics COMMONWEALTH NCUA # 61437 BankRate Report View Year Chartered 1951 Employees 243 Primary Regulator Assets and Liabilities Assets $897.01 million Loans $543.51 million Deposits $725.63 million Equity Capital $162.51 million Loan Loss Allowance $5.67 million Unbacked Noncurrent Loans $4.75 million Real Estate Owned $631,000 Historic Data - December 2010 Assets $880.22 million Equity Capital $153.46 million Loan Loss Allowance $5.21 million Unbacked Noncurrent Loans $5.00 million Real Estate Owned $969,000 Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets 1.04% Return on Equity 5.72% Interest Income $37.86 million Non-Interest Income $11.92 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Commonwealth CU (KY) had $5.38 million in non-current loans and owned real-estate with $168.18 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth CU (KY) a Texas Ratio of 3.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commonwealth CU (KY) held steady from 3.76% as of December 31, 2010 to 3.20% as of December 31, 2011, resulting in a positive change of 14.86%.This indicates that the balance sheet and financial strength for Commonwealth CU (KY) has held steady in recent periods. Deposit Growth In the past year, Commonwealth CU (KY) has increased its total deposits by $7.11 million, resulting in 0.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commonwealth CU (KY) has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commonwealth CU (KY) has $897 million in assets with $168.18 million in equity, resulting in a capitalization level of 18.75%, which is excellent.

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