COMMONWEALTH CENTRAL
State-Chartered • San Jose, California • Est. 1958
Quick Facts
- Charter Number
- #61741
- Type
- State-Chartered
- Established
- 1958
- Headquarters
- San Jose, California 95138
- Address
- 5890 Silver Creek Valley Rd
- Branches
- 5
- ATMs
- 4
- Members
- 37,678
- Membership Type
- Community
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 10% and a delinquency rate below 1%. 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
37,678 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMONWEALTH CENTRAL |
|---|---|
| Total Assets | $626.9M |
| Members | 37,678 |
| Loans Outstanding | $439.2M |
| Shares & Deposits | $533.1M |
| Net Worth | $87.7M |
| Net Worth Ratio | 13.99% |
| Loan-to-Share Ratio | 82.4% |
| Delinquency Rate | 0.26% |
| Net Income | +$978,859 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
5 locations · 4 ATMs
Corporate Office
Main Office5890 Silver Creek Valley Rd
San Jose, CA 95138
Cambrian
3075 Union Ave
San Jose, CA 95124
Morgan Hill - Tennant
400 Tennant Sta
Morgan Hill, CA 95037
GILROY BRANCH
8000 SANTA TERESA BLVD
Gilroy, CA 95020
Silver Creek
5890 Silver Creek Valley Rd
San Jose, CA 95138
Who Can Join COMMONWEALTH CENTRAL?
Membership Type: Community
Membership eligibility for COMMONWEALTH CENTRAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact COMMONWEALTH CENTRAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
COMMONWEALTH CENTRAL 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, COMMONWEALTH CENTRAL has 37,678 members and a potential membership field of 1,000,000 people.
COMMONWEALTH CENTRAL's reported net worth ratio is 13.99% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
COMMONWEALTH CENTRAL operates 5 branch locations and has access to 4 ATMs. The main office is located at 5890 Silver Creek Valley Rd, San Jose, CA 95138.
COMMONWEALTH CENTRAL was established in 1958. It is a state-chartered credit union chartered under charter number 61741. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or COMMONWEALTH CENTRAL. All financial data is for informational purposes only.