Sep, 30, 2025 — GREATER CENTRAL TEXAS FEDERAL CREDIT UNION is a federal credit union headquartered in KILLEEN, TX with 1 branch location and about $34.73 million in total assets. Opened 69 years ago in 1957, GREATER CENTRAL TEXAS FEDERAL CREDIT UNION has about 2,092 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GREATER CENTRAL TEXAS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3305 E Elms Rd KILLEEN, TX 76542 |
| Phone: | (254) 690-2274 |
| Fax: | (254) 690-2708 |
| Website: | https://www.gctfcu.net |
| Branches: | 1 branch locations |
| Members: | 2,092 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11995 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $34,731,492 |
| CEO/Manager: | Bobby Whitson |
| Chairperson: | Stephen Caruso |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,875,443 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,398,241 |
| Unsecured Loans | 443,945 |
| Other Loans | 2,395,427 |
| TOTAL LOANS | 8,259,284 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -30,538 |
| Land And Building | 910,861 |
| Other Fixed Assets | 41,063 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 279,684 |
| All Other Assets | 0 |
| TOTAL ASSETS | 34,731,492 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,748 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 109,886 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,358,832 |
| Regular shares | 15,405,013 |
| All Other Shares & Deposits | 6,164,848 |
| TOTAL SHARES & DEPOSITS | 30,928,693 |
| TOTAL LIABILITIES | 31,040,327 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,691,165 |
| TOTAL EQUITY | 3,691,165 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 34,731,492 |
| INCOME & EXPENSE | |
| Loan Income | 484,140 |
| Investment Income | 513,330 |
| Other Income | 125,320 |
| Total Employee Compensation & Benefits | 404,047 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 391,533 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 20,000 |
| Cost of Funds | 32,279 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 280,202 |
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