Overview / Commentary
Common Cents Credit Union is headquartered in Beaumont and is the 213th largest credit union in the state of Texas. It is also the 2,723rd largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 12 employees and 3,521 members at 3 locations. Common Cents Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Common Cents Credit Union is open to individuals who live, work, worship, or attend school in Jefferson or Chambers County, Texas. Immediate family members of a current Common Cents Credit Union member are also eligible to join.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Common Cents Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 15788 |
| Year Chartered | 1963 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.63% |
| Return on Equity - YTD | -5.01% |
| Annual Interest Income | $456K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $36.5MM$35.1MM |
| Loans | Q1 2025vs Q1 2024 | $22.5MM$25.3MM |
| Deposits | Q1 2025vs Q1 2024 | $31.9MM$30.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $4.5MM$4.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $339K$433K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $319K$170K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |