Commonwealth Central

San Jose, CA · 2 · Charter #61741 · www.wealthcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$617.0M
69th percentile
Members
37,525
71th percentile
Total loans
$448.6M
74th percentile
Total shares
$524.9M
70th percentile

Profitability

Return on assets
1.24%
68th percentile
Net interest margin
4.24%
89th percentile
Efficiency ratio
68.98%
14th percentile
Non-interest income ratio
15.38%
28th percentile

Capital & Risk

Net worth ratio
14.06%
84th percentile
Delinquency rate
0.59%
62th percentile
Net charge-off rate
0.45%
47th percentile
Loan-to-share
85.47%
63th percentile

Growth

Member growth YoY
-2.11%
23th percentile
Asset growth YoY
0.40%
15th percentile
Loan growth YoY
-5.04%
9th percentile
Share growth YoY
-0.67%
11th percentile

Operations

Members / branch
9,381
92th percentile
Assets / member
$16,441
53th percentile
Field of membership penetration
3.75%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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