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
- 37,525
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
37,525 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMONWEALTH CENTRAL |
|---|---|
| Total Assets | $617.0M |
| Members | 37,525 |
| Loans Outstanding | $448.6M |
| Shares & Deposits | $524.9M |
| Net Worth | $86.7M |
| Net Worth Ratio | 14.06% |
| Loan-to-Share Ratio | 85.5% |
| Delinquency Rate | 0.59% |
| Net Income | +$7,667,767 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. COMMONWEALTH CENTRAL 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, COMMONWEALTH CENTRAL has 37,525 members and a potential membership field of 1,000,000 people.
COMMONWEALTH CENTRAL's net worth ratio is 14.06% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.1%, COMMONWEALTH CENTRAL meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COMMONWEALTH CENTRAL. All financial data is for informational purposes only.