First Central

Waco, TX · 2 · Charter #67644 · www.firstcentralcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$181.1M
83th percentile
Members
20,527
98th percentile
Total loans
$91.4M
72th percentile
Total shares
$143.0M
78th percentile

Profitability

Return on assets
1.71%
85th percentile
Net interest margin
4.30%
83th percentile
Efficiency ratio
68.36%
31th percentile
Non-interest income ratio
41.28%
99th percentile

Capital & Risk

Net worth ratio
16.04%
82th percentile
Delinquency rate
2.76%
4th percentile
Net charge-off rate
0.66%
21th percentile
Loan-to-share
63.94%
43th percentile

Growth

Member growth YoY
2.45%
82th percentile
Asset growth YoY
7.42%
78th percentile
Loan growth YoY
0.86%
47th percentile
Share growth YoY
9.69%
87th percentile

Operations

Members / branch
4,105
71th percentile
Assets / member
$8,824
7th percentile
Field of membership penetration
20.53%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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