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
Call Report peers
Common Cents in the assets neighbourhood
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Common Cents vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Common Cents sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, MEMORIAL (#236) ties at 81/100; one place down, NEIGHBORHOOD (#238) ties at 81/100.
Common Cents: 2025Q4 → 2026Q1
Common Cents: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $34.5M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted -0.35 pp (10.87% → 10.52%).
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
Common Cents gives up 19 points in total. Return on Assets costs the most, 11.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Common Cents financially healthy?
Common Cents has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,626 of 4,374 nationally on health and #237 of 386 in Texas. Its net worth ratio is 10.52% and its delinquency rate 1.04%.
How does Common Cents compare to other credit unions?
Common Cents scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.38% vs 59.80%). Its widest shortfall is net worth ratio (10.52% vs 14.86%).
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?
Common Cents is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.