# COMMONWEALTH
Bourbonnais, IL · NCUA charter 97095 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/commonwealth-97095

Who the members are: state charter, organized 1951. 9,691 members of 100,000 potential (9.7% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $123.4M |
| Members | 9,691 (-1.1% YoY) |
| Full-time staff | 20 |
| Net worth | $16.4M |
| Net worth ratio | 13.3% (p70 of band) |
| ROA (annualized) | 1.15% (p76 of band) |
| Total delinquency | 0.09% (p6 of band) |
| Net charge-offs (annualized) | 0.31% (p47 of band) |
| Loans / shares | 78% (p67 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p49 of band) |
| Operating expense / assets | 2.79% (p21 of band) |
| Vehicles % of loans | 62% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 234% (p89 of band) |
| Vehicle delinquency | 0.14% (p15 of band) |
| Vehicle NCO | 0.43% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 18% |
| Average share balance | $7,862 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $25,411 |
| Loans granted, annualized | $42.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | auto monoline |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 | margin squeeze | delinquency rising, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | net worth falling, members leaving |  |
| 2023-03 | 2 |  | delinquency rising, net worth falling, members leaving |
| 2023-06 | 3 | members leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 2 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Guns N’ Roses Setlist: What to Expect From the World Tour 2026 - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5RTW9pTXNzUnFrTXY2b09PWmRzX3AtdExYbGdZcnlEeTNsR1JBdnVDQWx0Ykk3SFQ4TGVaTFZXTGg3UVZaQi1NVjJyMy1ka0RDdkVpT3Zmb3FsRzJuWkh0Ng?oc=5) · Ticketmaster Blog
- 2025-04-07 [Credit union trade group chief to retire - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdEFJYVlNa1NPOVh1WWUwaW91NmFYZ2JfTERDVzVVS0J6OXk3MXoyR3JIaFFwc00tdDdfZVpyX20zOE5OdWllbTRlNk1RN1U3ak9WbnNiQkl6bFExRlJBd0ZDLVd0TTNGdnlNMjY3cmZlNGlvLUdSLVdlY0MycE9CekgwYWUwUmZHRXk3aXpBU1lZZ3Jqd3Rz?oc=5) · Banking Dive
- 2024-07-16 [Witnesses Tell House Subcommittee That Regulators Risk Hampering Fintech-Bank Partnerships - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPemhxTE5FeldLdUowQnBtcUMyUEc3enVCWnVvdjY0dnFCLS1pd2Y2WmYyS0ExckFQUjVvUlBTVEpiY3l2MGlya0lSMVM1cS13WmJ4SHdKaXpiNWR1TmNxVzliVW5zSm8wUUdOUTZlZjMzZW16bVlBTm01SnhTYkZwdVRvQXNKVGdwN2sxUVlETVNJajhaUzVQOXFoRWV5TFJ3YVRFbFduOTE0VGpiX2t3cnZTTk5HSWtYaG1Mbkp1RUE4LVdFdzJmLUQ0bDlHNGRySEVoMXFDY3I?oc=5) · consumerfinancemonitor.com
- 2025-07-21 [First Northern Credit Union announces new team members - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUElVRUZYTTdpVVNpZTNZTHZvVTZmUVF0aWs3a2w1Q3RzQ0Vwc0VZb0dTN2NvQzV4Q3ZvMmE5a3M2VGxrcE5OVGVRMTYwUFUzazZETzc5ZEFqU2FpeXhHSnJOWFZtRFNxenBlS19qSW5zR1R0eDZ1YzU0R3ZpSjVWUzk1RU9xRWNVSnY5dG5qOVZyVDJodGVpUVNpaw?oc=5) · CUInsight
- 2023-03-29 [IronPigs Unveil First Commonwealth FCU as New Picnic Patio Sponsor - MLB.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdW9CUEx3LTEydVM3YnZQTHItbTR2QzdpYVFrRkxsbGp3NWlya3pfNWZkNUQ3Zmppb2NWWUVHRkM0OFJlcjlrYkZXcmtZWkxnaXVVMFp1NkpiQXZnblMyQ3hKWUtQV1B1ODdHM2ZnSGpGUDBvc0lOREdhcnNDN0xZWWtCU1REZEplcnpMWWU2d0ZPODN0SElrUnEzLVlpRTVuM3VZZHVoeEdSQQ?oc=5) · MLB.com
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2025-04-08 [Best Banks and Credit Unions in Illinois 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSWFQZXU0Rm5INVViSUc2OU0xbDFFRnFMTGlaeTZoQnRtMkFCblpjV1JDbl96N3FsSFFkZHRKRFdXZEM0aHFETWZzR3Bqb3NDdll2Ry1vUFJ6dXY1TWJUdjN4ZmdXUE9xVkdwaVA2b2R1THJ6N2FPQzBneFVnMnZwbExNaFhrNFRONWdWYl82MA?oc=5) · Newsweek Rankings
- 2026-03-27 [Guns N' Roses Keyboardist Melissa Reese to Sit Out 2026 World Tour Due to "Personal Reasons" - Exclaim!](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQjBVRFFnblRGbmpRUVRvcnRjb08wTHpIaktabFhtNm5NVkNvdlpuSWw0MktsN2JsVkxzQkt4Q0JuS3dEQmNQelN2TGU4TjBfMk1JMTRQcGhKUmRNamtVem5hNDZraWplNnZZOWV0T1h5N2ZPR0M4bF9zZnNEMVdyWQ?oc=5) · Exclaim!

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97095 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "97095", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=97095
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide