COMMON CENTS
Federal • Beaumont, Texas • Est. 1963
Quick Facts
- Charter Number
- #15788
- Type
- Federal
- Established
- 1963
- Headquarters
- Beaumont, Texas 77720-0396
- Address
- PO Box 20396
- Branches
- 3
- ATMs
- 3
- Members
- 3,633
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
3,633 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMON CENTS |
|---|---|
| Total Assets | $34.5M |
| Members | 3,633 |
| Loans Outstanding | $24.0M |
| Shares & Deposits | $31.0M |
| Net Worth | $3.7M |
| Net Worth Ratio | 10.87% |
| Loan-to-Share Ratio | 77.4% |
| Delinquency Rate | 1.04% |
| Net Income | $-282,116 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in Texas, ranked by assets, members, and financial health score.
View Texas RankingsFrequently Asked Questions
Yes. COMMON CENTS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COMMON CENTS has 3,633 members and a potential membership field of 6,000 people.
COMMON CENTS's net worth ratio is 10.87% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.9%, COMMON CENTS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COMMON CENTS. All financial data is for informational purposes only.