Waco, TX · Federal Credit Union · Chartered in TX
Who can join
Multiple select employee groups
Members
4,434
Net Worth Ratio
7.37%
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
$54.6M
Total Shares
$50.3M
Total Loans
$41.5M
Net Worth Ratio
7.37%
≥7% = Well Capitalized
Members
4,434
Delinquency Rate (60d+)
0.23%
$94K
Loan-to-share ratio: 82.6%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 83 | 30 | 37 | 36.1% | 44.6% |
| 2022 | 96 | 41 | 39 | 42.7% | 40.6% |
| 2021 | 63 | 30 | 32 | 47.6% | 50.8% |
No CFPB complaint data available for this credit union.
Main Office
7500 Imperial Drive, Waco, TX, 76712
Lobby Hours: Mon. - Thurs. 9:00 - 5:00 Friday 9:00 - 5:30 Drive-Thru Hours: M - F 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00
L3
7412 Maehr Rd, Waco, TX, 76705-1647
Limited Access - L3 Employees Only Every Other Thursday 9am - 5-pm, Opposite Friday 9am - 5pm
Killeen
1612 S Fort Hood St, Killeen, TX, 76542-1672
Mon - Thurs: Lobby Hours 9:00 - 5:00 Drive-Thru Hours 8:00 - 5:30 Friday: Lobby Hours 9:00 - 5:30 Drive-Thru Hours 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00
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<a href="https://bankscorer.com/credit-union/heart-o-texas" target="_blank" rel="noopener">View HEART O' TEXAS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.