San Jose, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
37,678
Net Worth Ratio
13.99%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$626.9M
Total Shares
$533.1M
Total Loans
$439.2M
Net Income
$979K
Net Worth Ratio
13.99%
≥7% = Well Capitalized
Members
37,678
Return on Assets
0.16%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.20%
$873K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 65 | 33 | 19 | 50.8% | 29.2% |
| 2022 | 72 | 28 | 25 | 38.9% | 34.7% |
| 2021 | 101 | 55 | 14 | 54.5% | 13.9% |
No CFPB complaint data available for this credit union.
Corporate Office
5890 Silver Creek Valley Rd, San Jose, CA, 95138
Monday - Thursday 9 AM - 5 PMFriday 9 AM - 6 PM
Cambrian
3075 Union Ave, San Jose, CA, 95124
Monday - Thursday 9 AM to 5 PMFriday 9 AM to 6 PM Saturday 9 AM to 2 PM
Morgan Hill - Tennant
400 Tennant Sta, Morgan Hill, CA, 95037
Monday - Thursday 9 AM to 5 PMFriday 8 AM to 6 PM Saturday 9 AM to 2 PM
GILROY BRANCH
8000 SANTA TERESA BLVD, GILROY, CA, 95020
Monday - Thursday 9 AM to 5 PMFriday 9 AM - 6 PM
Silver Creek
5890 Silver Creek Valley Rd, San Jose, CA, 95138
Monday - Thursday 9 AM to 5 PMFriday 9 AM to 6 PM
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<a href="https://bankscorer.com/credit-union/commonwealth-central" target="_blank" rel="noopener">View COMMONWEALTH CENTRAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 82.4%· healthy range 60–80%