First Central Credit Union

Overview / Commentary
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 112th largest credit union in the state of Texas. It is also the 1,380th largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 60 employees and 19,948 members at 5 locations. First Central Credit Union has an A health rating.

Field of Membership Restrictions

Membership in First Central Credit Union is open to those who live in McLennan County, Texas; those who live, work or worship in Hill or Brown Counties, Texas; and those who live, work, worship, or attend school Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, and San Saba Counties, Texas.
See current membership details


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Health Grade Components

NCUA #67644
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD9.7%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$171MM$151.6MM
LoansQ1 2024vs Q1 2023$90.5MM$77.1MM
DepositsQ1 2024vs Q1 2023$146MM$131.3MM
Equity CapitalQ1 2024vs Q1 2023$21.4MM$17.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$992K$1.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.8MM$989K
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Rates for First Central Credit Union are currently being reviewed.


First Central Credit Union Locations
Branch Office305 Coke AveHillsboro, TX 76645
Branch Office1602 Austin AveBrownwood, TX 76801-3653
Branch Office6201 Sanger AveWaco, TX 76710
Branch Office9101 Chapel RdWaco, TX 76712
Branch Office3100 Bellmead DrWaco, TX 76705

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