State credit union · Waco, Texas · NCUA charter #67483
1st University
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $17.9M
- Total assets
- 1,899
- Members
- 10.4%
- Net-worth ratio
1st University scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.9M; members 1,899; net-worth ratio 10.38%; health rank #3,194 of 4,374; healthier than 26th of scored peers.
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NCUA 5300 Call Report Masthead
#3,194 of 4,374 health · 2025Q41st University · health 76/100 · $17.9M · 2025Q4
Call Report peers
1st University in the assets neighbourhood
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1st University vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st University sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for 1st University
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +14.98 pp (74.78% vs 59.80%).
- Net Worth Ratio trails the peer set - 10.38% here, 14.86% peer average (-4.48 pp).
Where 1st University sits in Texas
- In Texas, health place is #280 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #267 of 386.
- Membership ranks #261 of 386 among Texas CUs with a reported count (1,899 members).
- One place up in Texas, Smart Financial (#279) ties at 76/100; one place down, AUSTIN (#281) ties at 76/100.
How 1st University's 5300 filing moved
1st University: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $17.9M (2025Q4) to $17.8M (2026Q1).
- Net-worth ratio shifted +0.14 pp (10.24% → 10.38%).
10.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
1st University gives up 24 points in total. Delinquency Rate costs the most, 16.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.5 pts
- Return on Assets 10.1 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 15.2 pts
1st University health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.38% | -4.48 pp |
| Delinquency Rate | 2.64% | +1.50 pp |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | 2.70% | - |
| Loan-to-Share Ratio | 74.78% | +14.98 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
1st University quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.8M | - |
| 2025Q4 | $17.9M | 1,899 |
| 2024Q4 | $17.6M | 1,849 |
| 2023Q4 | $19.5M | 1,818 |
Credit Union Details
- Charter Number
- 67483
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Waco
- Data Quarter
- 2025Q4
Branch Locations (3)
1st University operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1st University Credit Union (Main Office) | Waco, TX |
| Computer Marketing Corporation | Sandy, UT |
| Chartwells Management Offices | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for 1st University
Using this data
- 1st University ranks #3,194 of 4,374 nationally on financial health and #280 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LINKAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LINKAGE
Frequently Asked Questions
Is 1st University financially healthy?
On its 2025Q4 NCUA 5300 filing, 1st University scores 76/100 (Very Good), with a 10.38% net worth ratio and 2.64% of loans delinquent. It ranks #3,194 of 4,374 nationally on health and #280 of 386 in Texas.
How does 1st University compare to other credit unions?
1st University scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.78% vs 59.80%). Its widest shortfall is net worth ratio (10.38% vs 14.86%).
How can I join 1st University?
Membership eligibility for 1st University depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st University directly for current membership requirements and application steps.
Is my money safe at 1st University?
1st University is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st University's net worth ratio of 10.38% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.