San Jose, California · Peer group 6
Commonwealth Central Credit Union
Commonwealth Central Credit Union holds $626.9M in assets across 37,678 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1958. Charter number 61741, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $626.9M |
|---|---|
| Total loans | $439.2M |
| Total shares (deposits) | $533.1M |
| Net worth | $87.7M |
| Members | 37,678 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.0% | |
|---|---|---|
| Loans | -3.8% | lower than 92% of its peer group |
| Deposits | -1.2% | lower than 91% of its peer group |
| Members | -2.3% | around the 18th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 82.4% | around the 43rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 89th percentile of its peer group |
| Return on assets | 0.62% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.26% | around the 14th percentile of its peer group |
| Cash / assets | 22.5% | higher than 98% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Commonwealth Central Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Excite Credit Union
San Jose, CA
$615.2M · 45,798 members
- I.L.W.U. Credit Union
Long Beach, CA
$601.9M · 30,315 members
- Premier One Credit Union
San Jose, CA
$656.4M · 27,435 members
- Cabrillo Credit Union
San Diego, CA
$571.8M · 29,062 members
- First U.S. Community Credit Union
Sacramento, CA
$554.2M · 27,555 members
- MyPoint Credit Union
San Diego, CA
$701.1M · 28,091 members
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