Waco Federal Credit Union


Overview / Commentary
254-753-0361
826 N 3rd St
Waco, TX 76707

Waco Federal Credit Union is headquartered in Waco and is the 261st largest credit union in the state of Texas. It is also the 3,234th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 4 employees and 1,939 members at 2 locations. 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

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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
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD13.16%
Annual Interest Income$230K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$19.4MM$19MM
LoansQ1 2025vs Q1 2024$8.2MM$7.5MM
DepositsQ1 2025vs Q1 2024$17.5MM$17.1MM
Equity CapitalQ1 2025vs Q1 2024$1.8MM$1.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$24K$22K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8K$61K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Waco Federal Credit Union are currently being reviewed.

Locations


Waco Federal Credit Union Locations
Branch Office826 N 3rd StWaco, TX 76707
Branch Office5213 Lake Shore DrWaco, TX 76710-1732

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