State credit union · Waco, Texas · NCUA charter #67644
First Central
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $181.1M
- Total assets
- 20,527
- Members
- 16.4%
- Net-worth ratio
First Central scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $181.1M; members 20,527; net-worth ratio 16.45%; health rank #2,941 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,941 of 4,374 health · 2025Q4First Central · health 78/100 · $181.1M · 2025Q4
- BOOK 78/100
- CHARTER 16.4%
- NCUSIF 2.76%
- CAMELS 0.89%
- HEALTH $181.1M
- NW 20,527
- DELQ #2,941/4,374
- ROA Appalachian Community
- ASSETS 67644
Call Report peers
First Central in the assets neighbourhood
First Central's $181.1M assets sit next to Appalachian Community ($181.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Central vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Central - Share Insurance Coverage
Charter #67644's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
First Central vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 16.45% here, 12.11% peer average (+4.34 pp).
- Largest lag: Loan-to-Share Ratio at 60.87% vs peer 72.20% (-11.33 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for First Central
- In Texas, health place is #260 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, First Central is #113 of 386 in Texas.
- Membership ranks #84 of 386 among Texas CUs with a reported count (20,527 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Central: 2025Q4 → 2026Q1
First Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $181.1M (2025Q4) to $188.4M (2026Q1).
- Net-worth ratio shifted +0.07 pp (16.38% → 16.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 13.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.45% | +4.34 pp |
| Delinquency Rate | 2.76% | +1.86 pp |
| Return on Assets | 0.89% | +0.26 pp |
| Member Growth | 2.45% | - |
| Loan-to-Share Ratio | 60.87% | -11.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Central filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $188.4M | - |
| 2025Q4 | $181.1M | 20,527 |
| 2024Q4 | $168.6M | 20,037 |
| 2023Q4 | $166.1M | 19,650 |
Credit Union Details
- Charter Number
- 67644
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Waco
- Data Quarter
- 2025Q4
Branch Locations (6)
First Central operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sanger Office (Main Office) | Waco, TX |
| Brownwood Branch | Brownwood, TX |
| Hillsboro Branch | Hillsboro, TX |
| Chapel Office | Waco, TX |
| Bellmead Office | Waco, TX |
| DTS-CENTRALIZED LENDING OFFICE | WACO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
First Central nationwide neighbourhoods
Cross-state asset and health neighbours for First Central - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($181.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- First Central ranks #2,941 of 4,374 nationally on financial health and #260 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHEMCEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHEMCEL
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Central financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Central carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,941 of 4,374; by total assets it ranks #1,353 of 4,374 nationally (same basis as /rankings/largest); and #113 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.45% net worth ratio and a 2.76% delinquency rate.
How does First Central compare to other credit unions?
First Central scores 78/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Central?
Membership eligibility for First Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Central directly for current membership requirements and application steps.
Is my money safe at First Central?
Federal credit unions like First Central are 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. First Central's net worth ratio of 16.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Central offer compared to banks?
Credit unions like First Central are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Central directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.