COMMON CENTS
Federal • Beaumont, Texas • Est. 1963
Quick Facts
- Charter Number
- #15788
- Type
- Federal
- Established
- 1963
- Headquarters
- Beaumont, Texas 77705-6108
- Address
- 8109 Smith Rd
- Branches
- 3
- ATMs
- 3
- Members
- 3,647
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,647 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMON CENTS |
|---|---|
| Total Assets | $35.0M |
| Members | 3,647 |
| Loans Outstanding | $22.9M |
| Shares & Deposits | $31.3M |
| Net Worth | $3.7M |
| Net Worth Ratio | 10.52% |
| Loan-to-Share Ratio | 73.2% |
| Delinquency Rate | 1.04% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 3 ATMs
Common Cents Credit Union
Main Office8109 Smith Rd
Beaumont, TX 77705-6108
Common Cents Credit Union
1315 Highway 124
Winnie, TX 77665-9007
Common Cents Credit Union
595 Interstate 10 N
Beaumont, TX 77706
Who Can Join COMMON CENTS?
Membership Type: Other/Unknown
Membership eligibility for COMMON CENTS may vary. Contact the credit union directly to confirm qualification requirements.
Contact COMMON CENTS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
COMMON CENTS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, COMMON CENTS has 3,647 members and a potential membership field of 6,000 people.
COMMON CENTS's reported net worth ratio is 10.52% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
COMMON CENTS operates 3 branch locations and has access to 3 ATMs. The main office is located at 8109 Smith Rd, Beaumont, TX 77705-6108.
COMMON CENTS was established in 1963. It is a federal credit union chartered under charter number 15788. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or COMMON CENTS. All financial data is for informational purposes only.