Common Cents Credit Union


Overview / Commentary
409-842-5233
8109 Smith Rd
Beaumont, TX 77705

Common Cents Credit Union is headquartered in Beaumont and is the 215th largest credit union in the state of Texas. It is also the 2,767th largest credit union in the nation. It was established in 1963 and as of December of 2024, it had grown to 15 employees and 3,520 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

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Health
Additional 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 Chartered1963
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-0.64%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$34.5MM$35.6MM
LoansQ4 2024vs Q4 2023$23.5MM$26.1MM
DepositsQ4 2024vs Q4 2023$29.9MM$30.7MM
Equity CapitalQ4 2024vs Q4 2023$4.5MM$4.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$383K$514K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$442K$176K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates

Rates for Common Cents Credit Union are currently being reviewed.

Locations


Common Cents Credit Union Locations
Branch Office120 E LeBlanc StWinnie, TX 77665-7448
Branch Office8109 Smith RdBeaumont, TX 77705-6108
Branch Office595 Interstate 10 NBeaumont, TX 77706

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