Federal credit union · WACO, Texas · NCUA charter #6368
WACO
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $19.7M
- Total assets
- 1,947
- Members
- 10.0%
- Net-worth ratio
WACO scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.7M; members 1,947; net-worth ratio 10.01%; health rank #2,006 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,006 of 4,374 health · 2025Q4WACO · health 85/100 · $19.7M · 2025Q4
Call Report peers
WACO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WACO vs every NCUA-scored credit union
WACO sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
WACO vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.93% here, 1.15% peer average (-0.21 pp).
- Largest lag: Loan-to-Share Ratio at 49.38% vs peer 59.80% (-10.42 pp).
WACO: in-state Call Report ranks
- In Texas, health place is #182 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #260 of 386.
- Member book place in Texas: #257 of 386.
- One place up in Texas, United Community (#181) ties at 85/100; one place down, Hockley County (#183) ties at 85/100.
How WACO's 5300 filing moved
WACO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $19.7M (2025Q4) to $20.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (10.01% → 10.01%).
At 10.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
WACO gives up 15 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.01% | -4.85 pp |
| Delinquency Rate | 0.93% | -0.21 pp |
| Return on Assets | 0.81% | +0.10 pp |
| Member Growth | 0.10% | - |
| Loan-to-Share Ratio | 49.38% | -10.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
WACO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.2M | - |
| 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
Branch Locations (2)
WACO operates 2 offices in Waco, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Waco, TX |
| Data Systems Of Texas | 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 WACO
Similar total assets
Using this data
- WACO ranks #2,006 of 4,374 nationally on financial health and #182 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Brazos Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Brazos Community
Frequently Asked Questions
Is WACO financially healthy?
WACO has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,006 of 4,374 nationally on health and #182 of 386 in Texas. Its net worth ratio is 10.01% and its delinquency rate 0.93%.
How does WACO compare to other credit unions?
WACO scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.93% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.38% vs 59.80%).
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?
WACO is a federal 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. WACO's net worth ratio of 10.01% 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.