First Central Credit Union

Overview / Commentary
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 114th largest credit union in the state of Texas. It is also the 1,450th largest credit union in the nation. It was established in 1937 and as of September of 2023, it had grown to 59 employees and 19,515 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 - YTD1.06%
Return on Equity - YTD9.24%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$153.6MM$146.8MM
LoansQ3 2023vs Q3 2022$80.2MM$76.4MM
DepositsQ3 2023vs Q3 2022$129.9MM$128.1MM
Equity CapitalQ3 2023vs Q3 2022$17.5MM$16MM
Loan Loss AllowanceQ3 2023vs Q3 2022$970K$891K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.4MM$1.2MM
Real Estate OwnedQ3 2023vs Q3 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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