Waco, TX · Federal Credit Union · Chartered in TX
Who can join
Community / multiple bond
Members
18,295
Net Worth Ratio
16.06%
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
$213.3M
Total Shares
$182.3M
Total Loans
$125.4M
Net Worth Ratio
16.06%
≥7% = Well Capitalized
Members
18,295
Loan-to-share ratio: 68.8%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 91 | 57 | 29 | 62.6% | 31.9% |
| 2022 | 129 | 96 | 28 | 74.4% | 21.7% |
| 2021 | 119 | 79 | 33 | 66.4% | 27.7% |
No CFPB complaint data available for this credit union.
Main Branch
4631 W Waco Dr, Waco, TX, 76710
Lobby: Mon-Thur 9:00am-5:00pm; Fri 9:00am-6:00pm; Sat 9:00am-12:00pm Drive Thru: Mon-Fri 7:30am-6:00pm; Sat 9:00am-12:00pm
Marlin Branch
212 Virginia Ave, Marlin, TX, 76661
Lobby: Mon-Thur 9:00am-5:00pm; Fri 9:00am-5:30pm; 1st Sat of Month 9:00am-12:00pm Drive Thru: Mon-Thur 8:15am-5:30pm; Fri 8:15a
Northside Branch
845 New Dallas Hwy, Waco, TX, 76705
Lobby: Mon-Thur 9:00am-5:00pm; Fri 9:00am-6:00pm Drive Thru: Mon-Fri 7:30am-6:00pm
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<a href="https://bankscorer.com/credit-union/members-choice-of-central-texas" target="_blank" rel="noopener">View MEMBERS CHOICE OF CENTRAL TEXAS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.