First Central Credit Union

Overview / Commentary
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 118th largest credit union in the state of Texas. It is also the 1,471st largest credit union in the nation. It was established in 1937 and as of June of 2023, it had grown to 57 employees and 19,229 members at 5 locations. First Central Credit Union has a B+ 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 - YTD1.19%
Return on Equity - YTD10.28%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$150.6MM$148.7MM
LoansQ2 2023vs Q2 2022$77.6MM$72.6MM
DepositsQ2 2023vs Q2 2022$130.4MM$129.1MM
Equity CapitalQ2 2023vs Q2 2022$17.5MM$16.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.0MM$1.0MM
Real Estate OwnedQ2 2023vs Q2 2022$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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