# COMMONWEALTH CENTRAL
San Jose, CA · NCUA charter 61741 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/commonwealth-central-61741

Who the members are: state charter, organized 1958. 37,678 members of 1,000,000 potential (3.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $626.9M |
| Members | 37,678 (-2.3% YoY) |
| Full-time staff | 103 |
| Net worth | $87.7M |
| Net worth ratio | 14.0% (p88 of band) |
| ROA (annualized) | 0.62% (p51 of band) |
| Total delinquency | 0.26% (p18 of band) |
| Net charge-offs (annualized) | 0.75% (p77 of band) |
| Loans / shares | 82% (p52 of band) |
| Cash / assets | 22.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p87 of band) |
| Operating expense / assets | 3.74% (p59 of band) |
| Vehicles % of loans | 16% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 55% (p38 of band) |
| Vehicle delinquency | 0.71% (p61 of band) |
| Vehicle NCO | 2.36% (p90 of band) |
| Repossessed % of vehicle book | 0.18% (p79 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 104% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 11% |
| Average share balance | $7,964 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $150.7M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $30,141 |
| Loans granted, annualized | $114.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $150.7M outstanding purchased (171.8% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | thin capital |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 3 | net worth falling | delinquency rising |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 | loan book shrinking | delinquency rising |
| 2025-06 | 1 | delinquency rising | loan book shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | repo signal | delinquency rising |
| 2026-03 | 0 |  | repo signal |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-06 [CommonWealth Central Credit Union selects Nook for HubSpot and data integration infrastructure - CUInsight](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNS0VRSThRVUVvOGhuSWdCd1JMd1VOTmhFSGZLdnVUZ0c5TE1vdHd4OXhTMFlUNXFhc1daOGJWNnpqUmJsOUt5NVpsa3BPcEkzYWFuOTcwYjFtQnNHUU1vdEFUQU50V1h4OTVCVnBtbE44UXlWVjh5WnFQVXJSSEtERTZNMmF0LUxoWW81S2o2YTVvZmVGRlBZTV9qWXEtSFpaLXd1WDA4NENaMXdndDMydmE3Rm1tUWJIQ201UG56S0RTcVNvTWJJUG51azl3T0dm?oc=5) · CUInsight
- 2026-07-22 [CommonWealth welcomes new Chief Financial Officer Janelle Huynh - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxPLWxrQTZYS1JCZkpCXzRaTzM4eGNMZmV0aDlnakRYUlRfT0FLeGhlVDhmLUdtQ0hVa1Y0cUtrUHJ0MTNTTS1EUnFheW5sb3hlNExNTFVMbTd6S1RlbW5RclZaaVRBX2RzWklmRVEzTFFYcnUzTUY2RENNUVc3bVdwQWF2V1FlQzVxN3RWN09zZjJGbG80YWVjb255UW9RNEtSRzJRNmtxWQ?oc=5) · CUInsight
- 2022-04-21 [CommonWealth Central Credit Union in California names insider as next CEO - americanbanker.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMzcyd0o5ekFJMDNERy0yb05nRUNORDhJOVRVdV9xWWdicFFubG1GNi1ZQjFHTzA5OGIyVE9YZXVXTmh2N25ZUjlCTjNrTEZaUG9LTWdjVkF5NVJJNndTNnM1cWJrekVSc29UdmNoRC1fMDNRMWljY0xESUhHMTh5cEluTi1SQ253Skl1UDZnRHRKaXk3aVF0NDU2RmRUVzZRTndqU1VuNC01cXpLNHc?oc=5) · americanbanker.com
- 2010-08-30 [Creative Showcase: Sex Appeal, PURLs and Houseplants - The Financial Brand](https://news.google.com/rss/articles/CBMiigFBVV95cUxNazFUclJybnVxQ2cxM2lYMDdRY0dTZC1GQXJ1dlVHQi1ZQ1ZYdG5DZW1BYS16eGlfWV9yMjExRDZETkNGMEJ2VDU1ZzQ4OU5ZYy0zWlpRUnlLNmd4QnlSRm9pZXkwY19wVE5DU2JDWTZfYzNvME5mWHZLNGQ4REVGT3RuT1dzeTBva0E?oc=5) · The Financial Brand
- 2025-01-07 [CommonWealth Central selects Vince Salinas as Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxPYzdNcjFoN3huQkl6WlV3eVlZcnBqMnV3ZWllRm1IbFJvN0xTUHo5RUFxd0h4NGs4dlZSaVhYOHZTUXYyRGJ1eHQxMWxxSVVscC1RUEU2ejF6UHBmWW1ZR3VsczNtRTZleVg5OGFLY3I4ZHBaTkRYS0UteUh3V2tZcFBGQjMwZ1VWbUswUS12aDJ6RFQwZ09pamZtdlJEc3g2aXNmWDBBcjkzWXp5?oc=5) · CUInsight
- 2025-10-01 [Best of Services 2025 - Morgan Hill Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTFA1dGdpWkpTMW1YTUlIZ0U4Mkdpb204YUdoZjczSlhaN3ctMFR3ZVltNHBTNlpYTlBGQ3dFOHJYR2g1YzRyVndORm5MQkNrcFhMNVdVNHJGRjJWTUZBTFg4?oc=5) · Morgan Hill Times
- 2007-12-06 [Doris Skora Obituary - CA - The Mercury News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1VY3c3LUFtODFDazBuRWpFUjZidENTVHg1RHVLc1R6b2pTaUFQWGxLQm1EVWdGMU84SjI4ZllvX2N5MGVrSG9JZzhEUktGQmluZVNlRlo5RmhhYWNkclQtODU1a1VXZw?oc=5) · The Mercury News
- 2023-04-07 [Robert Bryant Obituary (2023) - San Jose, CA - Mercury News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbWF4RW1rYmxrd2xQWmlKd1JOSEdKMi1YWDFnZ3RkWnhvNElxRkNvS2tWd2lQcjBuUFZDNjZ5S3V3c3JqaF9YdnJmbFF4cWYwV1JzZnJZMjFpSC10ZjZWMWlmSFZsYi1aY2RwR2xNdVlzN1k2ZG5oV0Y4c1B0VFhCQmQwajdRaUVxbW9YUktKa3pMQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61741 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/45.json (key "61741", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61741
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide