Waco, Texas · Peer group 5
First Central Credit Union
First Central Credit Union holds $188.4M in assets across 20,753 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1937. Charter number 67644, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $188.4M |
|---|---|
| Total loans | $89.7M |
| Total shares (deposits) | $157.2M |
| Net worth | $29.7M |
| Members | 20,753 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.9% | |
|---|---|---|
| Loans | 1.2% | around the 42nd percentile of its peer group |
| Deposits | 6.1% | around the 74th percentile of its peer group |
| Members | 2.2% | around the 77th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 57.0% | around the 21st percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.4% | higher than 91% of its peer group |
| Return on assets | 1.35% | around the 85th percentile of its peer group |
| Delinquency ratio | 1.98% | higher than 95% of its peer group |
| Cash / assets | 17.6% | around the 87th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is First Central Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Government Employees Credit Union
Austin, TX
$189.0M · 9,467 members
- Lone Star Credit Union
Dallas, TX
$189.9M · 11,776 members
- Kelly Community Credit Union
Tyler, TX
$186.4M · 10,637 members
- Members First Credit Union
Corpus Christi, TX
$190.7M · 12,657 members
- Priority Trust Credit Union
Houston, TX
$192.4M · 28,089 members
- Chemcel Credit Union
BISHOP, TX
$183.6M · 9,394 members
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