COMMONWEALTH CENTRAL
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
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.
At a Glance
Total Assets
$626.9M
Peer Group 6
Members
37,678
as of latest quarter
Net Worth Ratio
13.99%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
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
Loan-to-share ratio: 82.4%· healthy range 60–80%
Branch Locations
NCUACorporate 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
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
Embed This Profile
Copy the snippet below to embed a link to this profile on your website.
<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.