FIRST CENTRAL
State-Chartered • Waco, Texas • Est. 1937
Quick Facts
- Charter Number
- #67644
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Waco, Texas 76702
- Address
- PO Box 21809
- Branches
- 6
- ATMs
- 5
- Members
- 20,527
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
20,527 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST CENTRAL |
|---|---|
| Total Assets | $181.1M |
| Members | 20,527 |
| Loans Outstanding | $91.4M |
| Shares & Deposits | $150.2M |
| Net Worth | $29.0M |
| Net Worth Ratio | 16.38% |
| Loan-to-Share Ratio | 60.9% |
| Delinquency Rate | 2.76% |
| Net Income | +$3,102,277 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
Sanger Office
Main Office6201 Sanger Ave
Waco, TX 76710
Chapel Office
9101 Chapel Rd
Waco, TX 76712
Brownwood Branch
1602 Austin Ave
Brownwood, TX 76801-3653
Hillsboro Branch
305 Coke Ave
Hillsboro, TX 76645
Bellmead Office
3100 Bellmead Dr
Waco, TX 76705
Who Can Join FIRST CENTRAL?
Membership Type: Community
Membership eligibility for FIRST CENTRAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST CENTRAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. FIRST CENTRAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST CENTRAL has 20,527 members and a potential membership field of 100,000 people.
FIRST CENTRAL's net worth ratio is 16.38% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.4%, FIRST CENTRAL meets this threshold.
FIRST CENTRAL operates 6 branch locations and has access to 5 ATMs. The main office is located at 6201 Sanger Ave, Waco, TX 76710.
FIRST CENTRAL was established in 1937. It is a state-chartered credit union chartered under charter number 67644. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST CENTRAL. All financial data is for informational purposes only.