First Central
Waco, TX · Charter 67644 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$191.7MAssets
$98.2MLoans
$160.2MShares
$30.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 77% of credit unions under $1B in assets in TX (rank 54 of 235).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in TX (rank 202 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.19%
Rank 54 of 235
Net Interest Margin
4.11%
Rank 80 of 235
Efficiency Ratio
79.21%
Rank 104 of 235
Equity / Assets
15.75%
Rank 97 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.17% | 0.57% | 1.10% | Beats 77% | 54 / 235 | | |
| Return on Equity | 7.58% | 1.03% | 4.30% | 7.58% | Beats 75% | 59 / 235 | | |
| Net Interest Margin | 4.11% | 3.32% | 3.89% | 4.35% | Beats 66% | 80 / 235 | | |
| Efficiency Ratio | 79.21% | 70.60% | 82.00% | 91.57% | Beats 56% | 104 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.95% | 0.20% | 0.59% | 1.14% | Beats 14% | 202 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.75% | 11.30% | 14.41% | 19.49% | Beats 59% | 97 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.75% | 11.30% | 14.41% | 19.49% | Beats 59% | 97 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.28% | 54.18% | 67.38% | 81.66% | 37th pctl | 147 / 235 | | |
| Loans / Assets | 51.19% | 43.80% | 56.63% | 68.64% | 39th pctl | 144 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |