CU Explorer
Credit unions · California · Q2 2026

Commonwealth Central CU

Credit union in San Jose, CA · NCUA charter #61741 · State charter (federally insured)

Legal name: Commonwealth Central

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$625M
Total loans & leases$432M
Total shares & deposits$530M
Members37,640
Net worth$88.9M
Net worth / assets14.23%
Loans / assets69.12%
Return on assets (annualized)0.70%
Loan growth (YoY)−4.22%
Member growth (YoY)−2.77%
Delinquency, all loans (60+ days)0.41%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer groupover $500M
Sponsor typeService (finance, health, transport, utilities) (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech participations, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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