Overview / Commentary
First Central Credit Union is headquartered in Waco and is the 113th largest credit union in the state of Texas. It is also the 1,367th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 56 employees and 20,310 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
Health
A
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67644 |
| Year Chartered | 1937 |
| Employees | 56 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.28% |
| Return on Equity - YTD | 9.05% |
| Annual Interest Income | $2.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $176.3MM$171MM |
| Loans | Q1 2025vs Q1 2024 | $88.7MM$90.5MM |
| Deposits | Q1 2025vs Q1 2024 | $148.2MM$146MM |
| Equity Capital | Q1 2025vs Q1 2024 | $24.4MM$21.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.2MM$992K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.6MM$1.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |