FIRST CENTRAL
Waco, TX · State Credit Union · Chartered in TX
Who can join
State government employees (special charter)
Members
20,753
Net Worth Ratio
16.45%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$188.4M
Peer Group 5
Members
20,753
as of latest quarter
Net Worth Ratio
16.45%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$188.4M
Total Shares
$157.2M
Total Loans
$89.7M
Net Worth Ratio
16.45%
≥7% = Well Capitalized
Members
20,753
Delinquency Rate (60d+)
1.43%
$1.3M
Loan-to-share ratio: 57.0%· healthy range 60–80%
Branch Locations
NCUASanger Office
6201 Sanger Ave, Waco, TX, 76710
Drivethru 7:30am-6pm M-F, 9am-1pm Sat.
Chapel Office
9101 Chapel Rd, Waco, TX, 76712
Drivethru 7:30am-6pm M-F
Brownwood Branch
1602 Austin Ave, Brownwood, TX, 76801-3653
Drivethru 7:30am-6:00 pm M-F
Hillsboro Branch
305 Coke Ave, Hillsboro, TX, 76645
Drive Thru 9am-5:30pm M-F
Bellmead Office
3100 Bellmead Dr, Waco, TX, 76705
Drivethru 7:30am-6pm M-F
DTS-CENTRALIZED LENDING OFFICE
6801 SANGER AVE Ste 1030, WACO, TX, 76710
9 AM TO 5:30 PM, M-F
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
Embed This Profile
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/first-central" target="_blank" rel="noopener">View FIRST CENTRAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.