TellerScore

Headquartered in Beaumont, Texas, Common Cents Federal Credit Union is a federal credit union with $34.2M in total assets and $30.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1963.

Common Cents Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 59th. Earnings contributes the most (100/100, 2.37%); capital cushion contributes the least (71/100, 12.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.13%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings100/100
Return on assets (annualized): 2.37%
Funding & liquidity87/100
Loans ÷ shares: 73.0% · 1.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 28 points (59 → 87), mostly because the earnings component improved by 100 points.

TellerScore
527087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202465
Q4 202457
Q1 202557
Q2 202559
Q3 202552
Q4 202555
Q1 202655
Q2 202687
Net worth ratio
7.00%10.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.10%
Q3 202413.10%
Q4 202413.05%
Q1 202512.19%
Q2 202511.73%
Q3 202510.74%
Q4 202510.87%
Q1 202610.52%
Q2 202612.13%
Delinquent loans (60+ days)
0.30%1.09%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20241.03%
Q4 20241.88%
Q1 20251.42%
Q2 20251.03%
Q3 20251.38%
Q4 20251.04%
Q1 20261.04%
Q2 20260.30%
Return on assets
-2.20%0.08%2.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 2024-0.07%
Q4 2024-0.08%
Q1 2025-0.61%
Q2 2025-1.56%
Q3 2025-2.02%
Q4 2025-2.20%
Q1 2026-0.74%
Q2 20262.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$34.2M12.13%0.30%2.37%73.0%
Q1 202655$35.0M10.52%1.04%-0.74%73.2%
Q4 202555$34.5M10.87%1.04%-2.20%77.4%
Q3 202552$36.8M10.74%1.38%-2.02%71.8%
Q2 202559$36.0M11.73%1.03%-1.56%71.0%
Q1 202557$36.5M12.19%1.42%-0.61%70.7%
Q4 202457$34.5M13.05%1.88%-0.08%78.6%
Q3 202465$34.5M13.10%1.03%-0.07%79.7%
Q2 202472$34.6M13.10%0.38%0.00%81.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.13%
33rd
Problem loans0.30%
68th
Net charge-offs0.66%
22nd
Return on assets2.37%
97th
Loans to deposits73.0%
28th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
58th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Central Texas Federal Credit UnionCredit union Killeen, TX80 out of 100, Strong$34.2M11.3%0.00%vs
Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX83 out of 100, Strong$33.1M14.4%0.43%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs
Wichita Falls Federal Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$36.1M11.8%0.32%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs

Deposit insurance

Is my money safe at Common Cents Federal Credit Union?

Yes. Common Cents Federal Credit Union is a federally insured credit union (NCUA charter #15788). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.9% of shares and deposits ($555K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Common Cents Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Common Cents Federal Credit Union
Type
Federal credit union
NCUA charter #
15788
RSSD ID
358587
Primary regulator
NCUA
Established
1963
Headquarters
PO Box 20396, Beaumont, TX 77720
Employees
14

Quick answers

Common Cents Federal Credit Union: common questions

Is Common Cents Federal Credit Union NCUA insured?

Yes. Common Cents Federal Credit Union is a federally insured credit union (NCUA charter #15788). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Common Cents Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Common Cents Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beaumont

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs