The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 8 points (68 → 76), mostly because the loan quality component improved by 25 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Texas

Yes. First Central Credit Union is a federally insured credit union (NCUA charter #67644). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($8.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Central Credit Union lists 6 offices in 3 cities. Most locations:

• Waco, TX (4)
• Brownwood, TX (1)
• Hillsboro, TX (1)

All branch addresses and map

In 2025, First Central Credit Union reported 141 home-loan applications under HMDA (LEI 254900GHFQ9KF6G4PN32): 79 originated ($6,305,000 total), 20 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Central Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

67644

RSSD ID

979197

Primary regulator

State + NCUA

Established

1937

Headquarters

PO Box 21809, Waco, TX 76702

Employees

71