Sep, 30, 2025 — WACO FEDERAL CREDIT UNION is a federal credit union headquartered in WACO, TX with 2 branch locations and about $19.64 million in total assets. Opened 77 years ago in 1949, WACO FEDERAL CREDIT UNION has about 1,944 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WACO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 826 N 3rd St WACO, TX 76707 |
| Phone: | (254) 753-0361 |
| Fax: | (254) 753-0371 |
| Website: | https://www.wacofcu.org |
| Branches: | 2 branch locations |
| Members: | 1,944 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6368 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $19,644,918 |
| CEO/Manager: | Tony W Head |
| Chairperson: | Gene Robinson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,951,063 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 658,152 |
| Other Loans | 8,020,188 |
| TOTAL LOANS | 8,678,340 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -29,616 |
| Land And Building | 126,025 |
| Other Fixed Assets | 3,413 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 168,059 |
| All Other Assets | 0 |
| TOTAL ASSETS | 19,644,918 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 28 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 227,969 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,395,291 |
| Regular shares | 11,524,898 |
| All Other Shares & Deposits | 2,578,596 |
| TOTAL SHARES & DEPOSITS | 17,498,785 |
| TOTAL LIABILITIES | 17,726,782 |
| Regular Reserve | 0 |
| Other Reserves | 442,826 |
| Undivided Earnings | 1,475,310 |
| TOTAL EQUITY | 1,918,136 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 19,644,918 |
| INCOME & EXPENSE | |
| Loan Income | 467,298 |
| Investment Income | 247,884 |
| Other Income | 156,488 |
| Total Employee Compensation & Benefits | 352,730 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 300,692 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 12,365 |
| Cost of Funds | 57,009 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 164,248 |
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