WACO
Federal • WACO, Texas • Est. 1949
Quick Facts
- Charter Number
- #6368
- Type
- Federal
- Established
- 1949
- Headquarters
- WACO, Texas 76703
- Address
- P O BOX 646
- Branches
- 2
- Members
- 1,947
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,947 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WACO |
|---|---|
| Total Assets | $19.7M |
| Members | 1,947 |
| Loans Outstanding | $8.7M |
| Shares & Deposits | $17.6M |
| Net Worth | $2.0M |
| Net Worth Ratio | 10.01% |
| Loan-to-Share Ratio | 49.4% |
| Delinquency Rate | 0.93% |
| Net Income | +$243,625 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Main
Main Office826 N 3rd St
Waco, TX 76707
Data Systems Of Texas
5213 Lake Shore Dr
Waco, TX 76710-1732
Who Can Join WACO?
Membership Type: Community
Membership eligibility for WACO may vary. Contact the credit union directly to confirm qualification requirements.
Contact WACO 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. WACO 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, WACO has 1,947 members and a potential membership field of 185,000 people.
WACO's net worth ratio is 10.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, WACO meets this threshold.
WACO operates 2 branch locations. The main office is located at 826 N 3rd St, Waco, TX 76707.
WACO was established in 1949. It is a federal credit union chartered under charter number 6368. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WACO. All financial data is for informational purposes only.