Commonwealth Central
Commonwealth Central is a credit union based in San Jose, California, established in 1958, with $627 million in total assets serving 37,678 members. By Trust Grade it ranks 54th of 241 credit unions we track in California. Its net worth ratio of 14.0% is stronger than 81% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 0.63% return on assets. No consumer complaints against Commonwealth Central appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Commonwealth Central compares to California peers
How we graded Commonwealth Central
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.0% capital ratio)
- Profitable (ROA 0.63%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Commonwealth Central over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Commonwealth Central insured?
Yes. Commonwealth Central is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Commonwealth Central: frequently asked questions
Is Commonwealth Central a good credit union?
Commonwealth Central earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Profitable (ROA 0.63%).
Is Commonwealth Central NCUA-insured?
Yes. Commonwealth Central is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Commonwealth Central?
Commonwealth Central holds $627 million in total assets, ranking 54th of 241 credit unions we track in California. It serves 37,678 members.
Does Commonwealth Central have CFPB complaints?
No CFPB complaints against Commonwealth Central appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
