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
- MEM 89/100
- RANK 14.0%
- PHOTO 0.59%
- BOOK 1.22%
- CHARTER $617.0M
- NCUSIF 37,525
- CAMELS #1,227/4,374
- HEALTH Metro Cu
- NW 61741
Call Report peers
Commonwealth Central in the assets neighbourhood
Commonwealth Central's $617.0M assets sit next to Metro Cu ($617.0M) 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.
Commonwealth Central 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61741: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Commonwealth Central: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.99% vs peer 11.18% (+2.81 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Commonwealth Central
Commonwealth Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $617.0M (2025Q4) to $626.9M (2026Q1).
- Net-worth ratio shifted -0.07 pp (14.06% → 13.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Commonwealth Central, both outside California 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 ($617.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Commonwealth Central financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Commonwealth Central carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,227 of 4,374; by total assets it ranks #674 of 4,374 nationally (same basis as /rankings/largest); and #85 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.99% net worth ratio and a 0.59% delinquency rate.
How does Commonwealth Central compare to other credit unions?
89/100 is Commonwealth Central's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Commonwealth Central 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. Commonwealth Central's net worth ratio of 13.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Commonwealth Central offer compared to banks?
Credit unions like Commonwealth Central 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 Commonwealth Central 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.