TellerScore

Headquartered in San Jose, California, Commonwealth Central Credit Union is a federally insured state-chartered credit union with $624.9M in total assets and $530.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

Commonwealth Central Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 52nd. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.23%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity79/100
Loans ÷ shares: 81.5% · 7.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.09%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
798182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202482
Q4 202479
Q1 202579
Q2 202579
Q3 202580
Q4 202579
Q1 202680
Q2 202680
Net worth ratio
7.00%10.62%14.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.40%
Q3 202413.15%
Q4 202413.22%
Q1 202513.17%
Q2 202513.60%
Q3 202513.85%
Q4 202514.06%
Q1 202613.99%
Q2 202614.23%
Delinquent loans (60+ days)
0.19%0.39%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.21%
Q4 20240.48%
Q1 20250.28%
Q2 20250.37%
Q3 20250.42%
Q4 20250.59%
Q1 20260.26%
Q2 20260.41%
Return on assets
0.62%0.97%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.31%
Q4 20241.22%
Q1 20250.81%
Q2 20250.84%
Q3 20250.86%
Q4 20250.93%
Q1 20260.62%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$624.9M14.23%0.41%0.70%81.5%
Q1 202680$626.9M13.99%0.26%0.62%82.4%
Q4 202579$617.0M14.06%0.59%0.93%85.5%
Q3 202580$615.3M13.85%0.42%0.86%86.2%
Q2 202579$616.6M13.60%0.37%0.84%85.4%
Q1 202579$626.7M13.17%0.28%0.81%84.6%
Q4 202479$614.5M13.22%0.48%1.22%89.4%
Q3 202482$608.1M13.15%0.21%1.31%92.4%
Q2 202480$627.2M12.40%0.19%1.22%91.4%

1,341 peers · $100 million – $1 billion

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 ratio14.23%
80th
Problem loans0.41%
74th
Net charge-offs0.61%
26th
Return on assets0.70%
47th
Loans to deposits81.5%
37th
Uninsured deposits7.2%
37th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
75th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Excite Credit UnionCredit union San Jose, CA51 out of 100, Below average$613.8M6.9%0.54%vs
I.L.W.U. Federal Credit UnionCredit union Long Beach, CA67 out of 100, Moderate$607.5M9.9%0.89%vs
Premier One Credit UnionCredit union San Jose, CA65 out of 100, Moderate$655.7M9.7%0.25%vs
Cabrillo Credit UnionCredit union San Diego, CA59 out of 100, Moderate$573.5M9.5%0.92%vs
First U.S. Community Credit UnionCredit union Sacramento, CA67 out of 100, Moderate$547.9M11.9%0.92%vs
Mypoint Credit UnionCredit union San Diego, CA58 out of 100, Moderate$704.5M8.6%0.27%vs

Deposit insurance

Is my money safe at Commonwealth Central Credit Union?

Yes. Commonwealth Central Credit Union is a federally insured credit union (NCUA charter #61741). 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 7.2% of shares and deposits ($38.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Commonwealth Central Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Commonwealth Central Credit Union reported 262 home-loan applications under HMDA (LEI 2549004W7ZN0N715U578): 154 originated ($37,100,000 total), 82 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Commonwealth Central Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61741
RSSD ID
37994
Primary regulator
State + NCUA
Established
1958
Headquarters
5890 Silver Creek Valley Rd, San Jose, CA 95138
Employees
101

Quick answers

Commonwealth Central Credit Union: common questions

Is Commonwealth Central Credit Union NCUA insured?

Yes. Commonwealth Central Credit Union is a federally insured credit union (NCUA charter #61741). 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 Commonwealth Central Credit Union's TellerScore?

80 out of 100 (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 Commonwealth Central Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Jose

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Star One Credit UnionCredit union Sunnyvale, CA77 out of 100, Strong$9.7B14.1%0.13%vs
1st United Credit UnionCredit union Pleasanton, CA77 out of 100, Strong$1.3B12.2%0.25%vs
Monterra Credit UnionCredit union Redwood City, CA76 out of 100, Strong$1.9B13.0%0.50%vs