COMMON CENTS Credit Union Profile

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COMMON CENTS

Charter #15788 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (409) 842-5233

Fax: (409) 842-5563

Founding Date: N/A

Website: http://www.commoncentscu.com

Personnel & Operations

President: Thibodeaux, Kenneth

Manager: Goff, Donnielle

FT Employees: 12

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: Mon, Wed - Lobby & Drive Thru 8:00-5:00

Credit Union Profile Summary

COMMON CENTS is a FCU Credit Union. With a total of 3,551 members ^[1], this institution manages approximately $35,969,404 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.73% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.65% ^[1].

Financial Snapshot

Total Assets ^[1]

$35,969,404

Total economic resources.

Total Loans ^[1]

$22,503,276

Total value of outstanding loans.

Total Deposits ^[1]

$31,713,892

Total funds deposited by members.

Members ^[1]

3,551

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.73%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

-1.59%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

70.96%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.91%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -6.65%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.72%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

8109 Smith Rd

Beaumont, TX, 77705-6108

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 3 branches reported by COMMON CENTS (Charter #15788).

Main Office

Common Cents Credit Union Main Office

Type: Corporate Office

8109 Smith Rd

Beaumont, TX 77705-6108

Phone: (409) 842-5233

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Beaumont