Credit Union Safety Analysis
Is Commonwealth Central Credit Union Safe? San Jose, California
Based on its Q2 2026 NCUA 5300 call report, Commonwealth Central Credit Union has a net worth ratio of 14.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.41%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Commonwealth Central Credit Union's net worth ratio is 14.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.23%
- Delinquency ratio (60+ days) (Q2 2026): 0.41%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 81.45%
Commonwealth Central Credit Union (NCUA charter 61741, established 1958) reported $624.9M in assets and 37,635 members for Q2 2026 from San Jose, California. It ranks 84 of 238 credit unions in California by total assets. Total assets grew 1.3% from $616.6M on June 30, 2025. It has 1,072 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.63 percentage points from 13.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $248.2M of $431.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.99% for Q1 2026; 13.60% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.26% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.62% for Q1 2026; 0.85% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 82.40% for Q1 2026; 85.37% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $248.2M
- Commercial loans: $87.6M
- Used vehicle loans: $54.0M
- New vehicle loans: $17.8M
- Unsecured credit card loans: $13.7M
- Other unsecured loans and lines of credit: $9.0M
- Other secured non-real estate loans and lines of credit: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $624.9M | 14.23% | 0.41% | 0.77% | 81.45% |
| March 31, 2026 | $626.9M | 13.99% | 0.26% | 0.62% | 82.40% |
| December 31, 2025 | $617.0M | 14.06% | 0.59% | 1.12% | 85.47% |
| September 30, 2025 | $615.3M | 13.85% | 0.42% | 0.91% | 86.17% |
| June 30, 2025 | $616.6M | 13.60% | 0.37% | 0.85% | 85.37% |
| March 31, 2025 | $626.7M | 13.17% | 0.28% | 0.81% | 84.60% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Commonwealth Central Credit Union profile
Regulator records: NCUA credit union profile (charter 61741) · FFIEC NIC profile (RSSD 37994)
Frequently asked questions
Is Commonwealth Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Commonwealth Central Credit Union's net worth ratio is 14.23%, above the 7% NCUA threshold for well capitalized.
Is Commonwealth Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Commonwealth Central Credit Union is a federally insured credit union (NCUA charter 61741): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Commonwealth Central Credit Union's key safety ratios?
For Q2 2026, Commonwealth Central Credit Union reports net worth 14.23%, delinquency 0.41%, ROA 0.77%, loan-to-share 81.45%.
What happens to my money if Commonwealth Central Credit Union fails?
For Q2 2026, Commonwealth Central Credit Union held $530.3M in shares and deposits for 37,635 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.