Sep, 30, 2025 — COMMONWEALTH CENTRAL CREDIT UNION is a federally insured state chartered credit union headquartered in SAN JOSE, CA with 4 branch locations and about $615.31 million in total assets. Opened 68 years ago in 1958, COMMONWEALTH CENTRAL CREDIT UNION has about 38,965 members and employs 95 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COMMONWEALTH CENTRAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 5890 Silver Creek Valley Rd SAN JOSE, CA 95138 |
| Phone: | (408) 531-3100 |
| Fax: | |
| Website: | https://www.wealthcu.org |
| Branches: | 4 branch locations |
| Members: | 38,965 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61741 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $615,312,801 |
| CEO/Manager: | Viktoria Earle |
| Chairperson: | Larry Chambers |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 116,753,064 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 347,440,444 |
| Unsecured Loans | 24,804,665 |
| Other Loans | 80,752,656 |
| TOTAL LOANS | 452,997,765 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,446,199 |
| Land And Building | 10,473,633 |
| Other Fixed Assets | 5,992,554 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,934,049 |
| All Other Assets | 170,306 |
| TOTAL ASSETS | 615,312,801 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,282,045 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 152,025,207 |
| Regular shares | 236,192,950 |
| All Other Shares & Deposits | 137,459,479 |
| TOTAL SHARES & DEPOSITS | 525,677,636 |
| TOTAL LIABILITIES | 530,975,986 |
| Regular Reserve | 0 |
| Other Reserves | -647,486 |
| Undivided Earnings | 84,984,301 |
| TOTAL EQUITY | 84,336,815 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 615,312,801 |
| INCOME & EXPENSE | |
| Loan Income | 18,206,008 |
| Investment Income | 3,671,159 |
| Other Income | 1,713,169 |
| Total Employee Compensation & Benefits | 9,690,529 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,789,463 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,635,774 |
| Cost of Funds | 2,309,191 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,979,022 |
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