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First Central
Waco, TX · NCUA Charter #67644 · State charter, federally insured · Chartered 1937
Total assets
$191.74M
Shares & deposits
$160.20M
Total loans
$98.16M
Members
20,958
Net worth
$30.19M
Branches
6
Rank: #1,313 of 4,299 U.S. credit unions by assets · #106 of 380 in Texas. Assets changed 9.8% and membership 3.6% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 16.35% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.88% |
| Loans to shares & deposits | 61.3% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $148.68M | $129.08M | $0 | $20.14M |
| Jun 2023 | $150.56M | $130.44M | $0 | $21.91M |
| Jun 2024 | $172.26M | $146.46M | $0 | $25.88M |
| Jun 2025 | $174.62M | $145.51M | $0 | $27.36M |
| Jun 2026 | $191.74M | $160.20M | $0 | $30.19M |
Branch footprint
| State | Branches |
|---|---|
| Texas | 6 |
Similar-sized credit unions
Georgetown Kraft ($191.94M) · First Trust ($191.59M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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