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Overview / Commentary
826 N 3rd St
Waco, TX 76707

Waco Federal Credit Union is headquartered in Waco and is the 286th largest credit union in the state of Texas. It is also the 3,691st largest credit union in the nation. It was established in 1949 and as of March of 2017, it had grown to 5 employees and 2,185 members at 1 location. Waco Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the City of Waco or other select group. Also open to those who live, work or attend school in McLennan County.
See current membership details

Reviews (1)

A Review of Waco Federal Credit Union

Posted by: Danie | Sep 25, 2014

I have had an account with Waco Federal Credit Union for a couple of years now. They're very concise and take care of their customers. I have only had a few problems with them and that was with their customer service, a lot of the time their employees seem too busy to deal with your problems and will sometimes huff about it. However, I have rarely had enough problems that I actually had to talk to somebody.



Health
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. Waco Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #6368
Year Chartered1949
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.65%
Annual Interest Income$118.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$16.3MM$15.2MM
LoansQ1 2017vs Q1 2016$5.6MM$5.8MM
DepositsQ1 2017vs Q1 2016$14.9MM$13.8MM
Equity CapitalQ1 2017vs Q1 2016$1.2MM$1.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$9.00K$8.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$0$9.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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Waco Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Regular Shares
0.15%--Special Savings
0.15%--IRA Regular Shares

Waco Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$300-Checking
Locations


Waco Federal Credit Union Locations
Branch Office826 N 3rd StWaco, TX 76707