COMMONWEALTH CENTRAL Credit Union Profile

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COMMONWEALTH CENTRAL

Charter #61741 | NCUA Region 3 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (408) 531-3100

Fax:

Founding Date: N/A

Website: http://www.wealthcu.org

Personnel & Operations

President: Chambers, Larry

Manager: Earle, Viktoria

FT Employees: 99

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 19.98%

Membership Type: 99

Branches: 4

Hours: Monday - Thursday 9 AM - 5 PM Friday 9 AM -

Credit Union Profile Summary

COMMONWEALTH CENTRAL is a FISCU Credit Union. With a total of 38,707 members ^[1], this institution manages approximately $616,575,859 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.6% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.61% ^[1].

Financial Snapshot

Total Assets ^[1]

$616,575,859

Total economic resources.

Total Loans ^[1]

$450,942,970

Total value of outstanding loans.

Total Deposits ^[1]

$528,194,511

Total funds deposited by members.

Members ^[1]

38,707

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

13.6%

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]

0.84%

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

Loan-to-Share Ratio ^[1]

85.37%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -1.70%

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

Loan Growth (4Q) ^[1]

↓ -9.61%

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

Member Growth (4Q) ^[1]

↓ -1.99%

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

Headquarters Location & Map

Headquarters Address

5890 Silver Creek Valley Rd

San Jose, CA, 95138

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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