Commonwealth Central
San Jose, CA · Charter 61741 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
$624.9MAssets
$431.9MLoans
$530.3MShares
$88.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets in CA (rank 14 of 63).
- Widest gap: return on equity trails 49% of credit unions under $1B in assets in CA (rank 31 of 63).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
0.70%
Rank 27 of 63
Net Interest Margin
4.08%
Rank 15 of 63
Efficiency Ratio
79.16%
Rank 29 of 63
Equity / Assets
14.23%
Rank 14 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.17% | 0.56% | 1.17% | Beats 57% | 27 / 63 | |
| Return on Equity | 4.92% | 1.81% | 4.79% | 8.64% | Beats 51% | 31 / 63 | |
| Net Interest Margin | 4.08% | 3.18% | 3.49% | 3.98% | Beats 76% | 15 / 63 | |
| Efficiency Ratio | 79.16% | 70.58% | 81.25% | 89.21% | Beats 56% | 29 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.17% | 0.42% | 0.85% | Beats 52% | 31 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.23% | 8.61% | 10.56% | 14.01% | Beats 78% | 14 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.23% | 8.61% | 10.56% | 14.01% | Beats 78% | 14 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 81.45% | 53.46% | 72.75% | 85.33% | 69th pctl | 19 / 62 | |
| Loans / Assets | 69.12% | 46.35% | 58.08% | 72.17% | 63rd pctl | 23 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |