Sep, 30, 2025 — FIRST CENTRAL CREDIT UNION is a federally insured state chartered credit union headquartered in WACO, TX with 5 branch locations and about $177.52 million in total assets. Opened 89 years ago in 1937, FIRST CENTRAL CREDIT UNION has about 20,461 members and employs 71 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST CENTRAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6201 Sanger Ave WACO, TX 76710 |
| Phone: | (254) 776-9333 |
| Fax: | (254) 741-2212 |
| Website: | https://www.firstcentralcu.com |
| Branches: | 5 branch locations |
| Members: | 20,461 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67644 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $177,518,420 |
| CEO/Manager: | JoBetsy Tyler |
| Chairperson: | Lori Alambar |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 24,813,506 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 28,793,753 |
| Unsecured Loans | 13,664,522 |
| Other Loans | 48,514,157 |
| TOTAL LOANS | 90,972,432 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,085,675 |
| Land And Building | 3,872,868 |
| Other Fixed Assets | 365,310 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,351,477 |
| All Other Assets | 433,010 |
| TOTAL ASSETS | 177,518,420 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 25,788 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,339,435 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 31,862,015 |
| Regular shares | 65,727,981 |
| All Other Shares & Deposits | 49,797,596 |
| TOTAL SHARES & DEPOSITS | 147,387,592 |
| TOTAL LIABILITIES | 150,752,815 |
| Regular Reserve | 0 |
| Other Reserves | -1,288,079 |
| Undivided Earnings | 28,053,684 |
| TOTAL EQUITY | 26,765,605 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 177,518,420 |
| INCOME & EXPENSE | |
| Loan Income | 5,988,612 |
| Investment Income | 1,592,849 |
| Other Income | 4,198,418 |
| Total Employee Compensation & Benefits | 3,507,107 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,220,399 |
| Non-operating Income & (Expense) | 851,253 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 241,539 |
| Cost of Funds | 1,776,656 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,221,170 |
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