First Central Credit Union


Overview / Commentary
254-776-9333
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 119th largest credit union in the state of Texas. It is also the 1,490th largest credit union in the nation. It was established in 1937 and as of December of 2022, it had grown to 58 employees and 19,214 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 the following: 1) those who live in McLennan County; 2) those who live, work or worship in Hill or Brown Counties; 3) those who live, work, worship or attend school within the county boundaries of Bosque, Falls, Coryell, San Saba, Mills, Comanche, Eastland, Callahan, Coleman, and McCulloch Counties.
See current membership details

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Health

Health Grade Components

Overall
NCUA #67644
Year Chartered1937
Employees58
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD11.23%
Annual Interest Income$5.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$148.6MM$142.2MM
LoansQ4 2022vs Q4 2021$76.8MM$65.8MM
DepositsQ4 2022vs Q4 2021$128.7MM$120.6MM
Equity CapitalQ4 2022vs Q4 2021$16.4MM$18.9MM
Loan Loss AllowanceQ4 2022vs Q4 2021$1.0MM$1.1MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$1.2MM$1.1MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates

Rates for First Central Credit Union are currently being reviewed.

Locations


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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