FIRST CENTRAL
State-Chartered • Waco, Texas • Est. 1937
Quick Facts
- Charter Number
- #67644
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Waco, Texas 76710
- Address
- 6201 Sanger Ave
- Branches
- 6
- ATMs
- 5
- Members
- 20,753
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
20,753 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST CENTRAL |
|---|---|
| Total Assets | $188.4M |
| Members | 20,753 |
| Loans Outstanding | $89.7M |
| Shares & Deposits | $157.2M |
| Net Worth | $29.7M |
| Net Worth Ratio | 16.45% |
| Loan-to-Share Ratio | 57.0% |
| Delinquency Rate | 1.98% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
FIRST CENTRAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FIRST CENTRAL has 20,753 members and a potential membership field of 100,000 people.
FIRST CENTRAL's reported net worth ratio is 16.45% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FIRST CENTRAL. All financial data is for informational purposes only.