Frankfort, KY · Federal Credit Union · Chartered in KY
Who can join
Multiple / other
Members
144,367
Net Worth Ratio
11.14%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$2.83B
Total Shares
$2.50B
Total Loans
$2.09B
Net Income
$9.6M
Net Worth Ratio
11.14%
≥7% = Well Capitalized
Members
144,367
Return on Assets
0.34%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.40%
$8.4M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 2,789 | 1,796 | 620 | 64.4% | 22.2% |
| 2022 | 2,997 | 1,863 | 754 | 62.2% | 25.2% |
| 2021 | 3,236 | 2,162 | 631 | 66.8% | 19.5% |
Last 12 Months
19
Since 2018
66
all complaints on record
Monetary Relief
2%
% of complaints with monetary relief
Untimely Response
0%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Jun 2026.Last 12 months shown — upgrade for full history.
High Street Branch
417 High St, Frankfort, KY, 40601
9:00-5:00 M-F
Sower Branch
101 Sower Blvd, Frankfort, KY, 40601
9:00-5:00 M-F 9:00-12:30 Sat
Louisville Road Branch
1425 Louisville Rd, Frankfort, KY, 40601
9:00-5:00 M-F
Meijer Way Branch
280 Meijer Way, Lexington, KY, 40503
9:00-5:00 M-F 9:00-12:30 Sat
Lawrenceburg Branch
1015 Crossroad Dr, Lawrenceburg, KY, 40342
9:00-5:00 M-F 9:00-12:30 Sat
Georgetown East Branch
108 Lawson Dr, Georgetown, KY, 40324
9:00-5:00 M-F 9:00-12:30 Sat
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<a href="https://bankscorer.com/credit-union/commonwealth" target="_blank" rel="noopener">View COMMONWEALTH on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 83.8%· healthy range 60–80%
'22
'23
'24
'25
'26
2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.
Hamburg Branch
2540 Sir Barton Way, Lexington, KY, 40509
9:00-5:00 M-F 9:00-12:30 Sat
St. Matthews Branch
3704 Frankfort Ave, Louisville, KY, 40207
9:00-5:00 M-F 9:00-12:30 Sat
Shelbyville East Branch
600 Boone Station Rd, Shelbyville, KY, 40065
9:00-5:00 M-F 9:00-12:30 Sat
Cane Run Road Branch
4415 Cane Run Rd, Louisville, KY, 40216
9:00-5:00 M-F 9:00-12:30 Sat
8 more locations not shown.