COMMONWEALTH CREDIT UNION
Number of current members as of the cycle date.
This is a capital adequacy ratio that measures total assets (less other liabilities) to total shares. A ratio over 100 means that a credit union has enough assets to pay all obligations to creditors and members, if liquidation occurs.
This Capital Adequacy ratio measures net worth in relation to total assets. Net worth cushions fluctuations in earnings, supports growth, and provides protection against insolvency. The rate of net worth growth should be commensurate with the levels of risk and asset growth.
This is the annualized year-to-date percentage change (growth) in total Net Worth Capital.
This is the annualized year-to-date percentage change (growth) in total assets.
An earnings ratio that measures annualized YTD net income in relation to average assets. This ratio measures the efficient utilization of assets to create profits YTD. A positive ratio indicates that earnings were sufficient to cover the institution's cost of funds and operating expenses(including for loan loss expense) as well as providing a profit.
For State, Regional, State and Peer Class groups, the aggregate statistic is computed by summing net income and average assets across credit unions within each group and calculating the ratio.
This is the annualized year-to-date percentage change (growth) in total loans.
This is the annualized year-to-date percentage change (growth) in total deposits.
The most common interest/dividend rate paid last quarter according to the dollar volume of business
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Charter Number |
61437 |
CEO/PRESIDENT |
Karen Harbin |
Address |
PO Box 978 |
City |
Frankfort |
State |
KY |
Zip |
40602-0978 |
Phone |
502-564-4775 |
Fax |
-- |
Website |
www.ccuky.org |
# of Branch Offices |
17 |
Total # of Members
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126,279 |
Number of Full-Time Employees |
369 |
Host Computer System Vendor |
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Homebanking Vendor |
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Total Assets |
$2,378,051,420.00 |
Solvency Evaluation (Estimated) |
111.90 |
Net-Worth Ratio |
11.79 |
Net Worth Classification by NCUA |
Well Capitalized |
Net Worth: % Growth (YTD Annualized)
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13.29 |
Total Loans |
$1,778,698,645.00 |
Total Deposits |
$2,028,726,344.00 |
Total Assets: % Growth (YTD Annualized)
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9.78 |
ROAA (Return-on-Average Assets %)
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1.48 |
Total Loans: % Growth (YTD Annualized)
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11.79 |
Total Deposits: % Growth (YTD Annualized)
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8.98 |
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Home Banking Via Internet Website |
No |
Wireless |
No |
Home Banking/PC Based |
No |
Audio Response/Phone Based |
No |
ATM Automated Teller Machine |
No |
Kiosk |
No |
Other |
No |
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Member Application |
Yes |
New Loan |
Yes |
Account Balance Inquiry |
No |
Checks Ordering |
No |
New Share Account |
Yes |
Loan Payments |
Yes |
Account Aggregation |
No |
Internet Access Services |
No |
View Account History |
No |
Merchandise Purchase |
No |
Share Account Transfers |
No |
Bill Payment |
Yes |
Download Account History |
No |
Electronic Cash |
No |
Signature Authentication |
No |
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Real Estate Loans |
No |
Member Business Loans |
No |
Risk Based Loans |
No |
Direct Financing Leases |
No |
Mortgage Processing |
Yes |
Overdraft Protection |
No |
Overdraft Lines of Credit |
No |
ATM/Debit Card Program |
No |
Interest Only First Mortgage |
No |
Insurance/Investment Sales |
No |
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Checking Rate % |
0.00 |
Reguar Savings Rate % |
0.00 |
Money Market Rate % |
0.00 |
Certifificates of Deposit Rate % |
0.00 |
IRA/KEOGH Rate % |
0.00 |
All Other Savings Rate % |
0.00 |
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Unsecured Credit Card Loan Rate % |
1,640.00 |
All Other Unsecured loans/Lines of Credit Rate % |
1,149.00 |
New Vehicle Loan Rate % |
649.00 |
Used Auto/Vehicle Loan Rate % |
674.00 |
1st Mortgage Real Estate/Lines of Credit Rate % |
0.00 |
Other Real Estate Loans/Lines of Credit Rate % |
0.00 |
Leases Receivables |
0.00 |
All Other Loans/Lines of Credit Rate |
0.00 |
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