Common Cents
Common Cents is a credit union based in Beaumont, Texas, established in 1963, with $35 million in total assets serving 3,647 members. By Trust Grade it ranks 332nd of 379 credit unions we track in Texas. Its net worth ratio of 10.5% trails most similarly sized credit unions (21th percentile), versus a Texas median of 13.5%. It posted a loss over the most recent period (-0.74% return on assets), a point to watch. No consumer complaints against Common Cents appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Common Cents compares to Texas peers
How we graded Common Cents
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.5% capital ratio)
- Unprofitable over the period (ROA -0.74%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Common Cents over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Common Cents insured?
Yes. Common Cents is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Common Cents: frequently asked questions
Is Common Cents a good credit union?
Common Cents earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (10.5% capital ratio); Unprofitable over the period (ROA -0.74%).
Is Common Cents NCUA-insured?
Yes. Common Cents is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Common Cents?
Common Cents holds $35 million in total assets, ranking 332nd of 379 credit unions we track in Texas. It serves 3,647 members.
Does Common Cents have CFPB complaints?
No CFPB complaints against Common Cents appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
