State credit union · San Jose, California · NCUA charter #61741
Commonwealth Central
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $617.0M
- Total assets
- 37,525
- Members
- 14.0%
- Net-worth ratio
Commonwealth Central scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $617.0M; members 37,525; net-worth ratio 13.99%; health rank #1,227 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,227 of 4,374 health · 2025Q4Commonwealth Central · health 89/100 · $617.0M · 2025Q4
Call Report peers
Commonwealth Central in the assets neighbourhood
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Commonwealth Central vs every NCUA-scored credit union
Commonwealth Central sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Commonwealth Central: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.99% vs peer 11.18% (+2.81 pp).
Commonwealth Central in California
- Health composite ranks #75 of 243 among scored California credit unions.
- Assets rank #85 of 243 inside California ($617.0M reported).
- Membership ranks #76 of 243 among California CUs with a reported count (37,525 members).
- One place up in California, California Lithuanian (#74) ties at 89/100; one place down, ESCONDIDO (#76) ties at 89/100.
Quarter path for Commonwealth Central
Commonwealth Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $617.0M (2025Q4) to $626.9M (2026Q1).
- Net-worth ratio shifted -0.07 pp (14.06% → 13.99%).
At 13.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Commonwealth Central gives up 11 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Commonwealth Central
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.99% | +2.81 pp |
| Delinquency Rate | 0.59% | -0.28 pp |
| Return on Assets | 1.22% | +0.71 pp |
| Member Growth | -2.11% | - |
| Loan-to-Share Ratio | 85.47% | +1.57 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Commonwealth Central filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $626.9M | - |
| 2025Q4 | $617.0M | 37,525 |
| 2024Q4 | $614.5M | 38,333 |
| 2023Q4 | $631.5M | 39,279 |
Credit Union Details
- Charter Number
- 61741
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Jose
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Commonwealth Central runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | San Jose, CA |
| GILROY BRANCH | GILROY, CA |
| Morgan Hill - Tennant | Morgan Hill, CA |
| Cambrian | San Jose, CA |
| Silver Creek | San Jose, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Commonwealth Central ranks #1,227 of 4,374 nationally on financial health and #75 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EXCITE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EXCITE
Frequently Asked Questions
Is Commonwealth Central financially healthy?
On its 2025Q4 NCUA 5300 filing, Commonwealth Central scores 89/100 (Excellent), with a 13.99% net worth ratio and 0.59% of loans delinquent. It ranks #1,227 of 4,374 nationally on health and #75 of 243 in California.
How does Commonwealth Central compare to other credit unions?
Commonwealth Central scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.99% vs 11.18%).
How can I join Commonwealth Central?
Membership eligibility for Commonwealth Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Commonwealth Central directly for current membership requirements and application steps.
Is my money safe at Commonwealth Central?
Commonwealth Central is a state-chartered 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. Commonwealth Central's net worth ratio of 13.99% 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.