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.

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).

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 Watch Federal Credit Union is a federally insured credit union (NCUA charter #13290). 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 6.4% of shares and deposits ($6.1M) 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 9.33%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Watch Federal Credit Union lists 2 offices in 1 city. Most locations:

• Abilene, TX (2)

All branch addresses and map

In 2025, First Watch Federal Credit Union reported 29 home-loan applications under HMDA (LEI 549300DGOV1UVLJKW474): 13 originated ($1,875,000 total), 5 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.8%, 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 Watch Federal Credit Union

Type

Federal credit union

NCUA charter #

13290

RSSD ID

958884

Primary regulator

NCUA

Established

1959

Headquarters

1118 Pine St, Abilene, TX 79601

Employees

31