First Watch Credit Union

First Watch Credit Union


Overview / Commentary
325-670-2429
1118 Pine St
Abilene, TX 79601

First Watch Credit Union is headquartered in Abilene and is the 146th largest credit union in the state of Texas. It is also the 1,834th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 30 employees and 9,584 members at 2 locations. First Watch Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, as well as businesses and other legal entities located in Taylor, Jones, Callahan, Nolan, Runnels, and Eastland Counties, Texas.
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. First Watch Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #13290
Year Chartered1959
Employees30
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD0.93%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$99.6MM$96.2MM
LoansQ1 2025vs Q1 2024$68.1MM$72.9MM
DepositsQ1 2025vs Q1 2024$89.7MM$86.5MM
Equity CapitalQ1 2025vs Q1 2024$9.6MM$9.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$161K$349K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$54K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


First Watch Credit Union Locations
Branch Office1118 Pine StAbilene, TX 79601-3529
Branch Office3324 Catclaw DrAbilene, TX 79606-8208

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