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Overview / Commentary
2595 Polaris Dr
Fort Worth, TX 76137-4208

First Class American Credit Union is headquartered in Fort Worth and is the 181st largest credit union in the state of Texas. It is also the 2,326th largest credit union in the nation. It was established in 1929 and as of June of 2016, it had grown to 18 employees and 5,518 members at 2 locations. First Class American Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership eligibility to join the First Class American Credit Union of Texas is open to the residents, church members, and the people that maintain employment within Forth Worth Texas, and the US Postal Workers that live in the following zip codes, or their family members: 76000-76499, 76800-76999, and 79500-79699. Membership eligibility also extends to include the members of the National Association for Retired Credit Union People, the residents, church members, registered students, and people that maintain employment within a 10-mile distance of FCACU including the areas under the zip codes that are posted on the credit union website, employees that work for any of the qualified credit union affiliated select employer groups, anyone receiving Social Security within the pre-qualified counties, and the family members of existing credit union members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Class American Credit Union has a low asset base.

Health Grade Components

NCUA #67652
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.26%
Annual Interest Income$925.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$49.8MM$47.0MM
LoansQ2 2016vs Q2 2015$32.2MM$30.7MM
DepositsQ2 2016vs Q2 2015$44.8MM$42.4MM
Equity CapitalQ2 2016vs Q2 2015$4.5MM$4.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$159.00K$158.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$104.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0

Rates for First Class American Credit Union are currently being reviewed.


First Class American Credit Union Locations
Branch Office301 E Main StCrowley, TX 76036-2610
Branch Office2595 Polaris DrFort Worth, TX 76137-4208