Federal credit union · Beaumont, Texas · NCUA charter #15788
Common Cents
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $34.5M
- Total assets
- 3,633
- Members
- 10.5%
- Net-worth ratio
Common Cents scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.5M; members 3,633; net-worth ratio 10.52%; health rank #2,626 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,626 of 4,374 health · 2025Q4Common Cents · health 81/100 · $34.5M · 2025Q4
- CAMELS 81/100
- HEALTH 10.5%
- NW 1.04%
- DELQ -0.08%
- ROA $34.5M
- ASSETS 3,633
- MEM #2,626/4,374
- RANK The Finest
- PHOTO 15788
Call Report peers
Common Cents in the assets neighbourhood
Common Cents's $34.5M assets sit next to The Finest ($34.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Common Cents vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Common Cents - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #15788: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Common Cents vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 77.38% vs peer 59.80% (+17.58 pp).
- Net Worth Ratio trails the peer set - 10.52% here, 14.86% peer average (-4.34 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Common Cents: in-state Call Report ranks
- Health composite ranks #237 of 386 among scored Texas credit unions.
- Texas assets place: #218 of 386.
- Member book place in Texas: #199 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Common Cents: 2025Q4 → 2026Q1
Common Cents: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $34.5M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted -0.35 pp (10.87% → 10.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 3.8 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.52% | -4.34 pp |
| Delinquency Rate | 1.04% | -0.11 pp |
| Return on Assets | -0.08% | -0.79 pp |
| Member Growth | 3.21% | - |
| Loan-to-Share Ratio | 77.38% | +17.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Common Cents filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.0M | - |
| 2025Q4 | $34.5M | 3,633 |
| 2024Q4 | $34.5M | 3,520 |
| 2023Q4 | $35.6M | 3,468 |
Credit Union Details
- Charter Number
- 15788
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Common Cents, spread across 2 cities.
| Office | City |
|---|---|
| Common Cents Credit Union (Main Office) | Beaumont, TX |
| Common Cents Credit Union | Beaumont, TX |
| Common Cents Credit Union | Winnie, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Common Cents
Two NCUA Call Report peer sets for Common Cents, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Common Cents ranks #2,626 of 4,374 nationally on financial health and #237 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beaumont Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beaumont Community
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Common Cents financially healthy?
Common Cents scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,626 of 4,374; by total assets it ranks #2,732 of 4,374 nationally (same basis as /rankings/largest); and #218 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.52% net worth ratio and a 1.04% delinquency rate.
How does Common Cents compare to other credit unions?
Five weighted metrics from NCUA filings produce Common Cents's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Common Cents?
Common Cents operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Common Cents directly for the exact boundaries and application steps.
Is my money safe at Common Cents?
Federal credit unions like Common Cents are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Common Cents's net worth ratio of 10.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Common Cents offer compared to banks?
Credit unions like Common Cents are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Common Cents directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.