Federal credit union · WACO, Texas · NCUA charter #6368
Waco
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $19.7M
- Total assets
- 1,947
- Members
- 7.8%
- Net-worth ratio
Waco - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6368: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Waco - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)81
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)70
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.77% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 0.81% | 15% |
| Member Growth | 0.10% | 15% |
| Loan-to-Share Ratio | 49.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $19.7M | 1,947 |
| 2024Q4 | $18.7M | 1,945 |
| 2023Q4 | $18.7M | 1,969 |
Credit Union Details
- Charter Number
- 6368
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- WACO
- Data Quarter
- 2025Q4
What This Data Says About Waco
Headquartered in WACO, Texas, Waco is a federal credit union with 1,947 members, $19.7M in total assets, and $8.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 80/100 (Excellent), driven in part by a net worth ratio of 7.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #6368 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 49.38% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.93% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.81% on net income of $160K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.10%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Waco financially healthy?
A 7.77% net worth ratio and a 0.93% delinquency rate feed into Waco's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Waco compare to other credit unions?
On PlainCU's health composite, Waco lands at 80/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Waco?
Waco serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Waco directly for the current list of qualifying groups.
Is my money safe at Waco?
Federal credit unions like Waco 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. Waco's net worth ratio of 7.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Waco offer compared to banks?
Credit unions like Waco 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 Waco directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.