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
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
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.
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%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 150 | 67 | 35 | 44.7% | 23.3% |
| 2022 | 168 | 81 | 18 | 48.2% | 10.7% |
| 2021 | 157 | 71 | 21 | 45.2% | 13.4% |
No CFPB complaint data available for this credit union.
Sanger 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
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<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.