First Central Credit Union
Waco, Texas
Financial Health Score
9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.
Good
How This Organization Compares
Compared to 111 peers in Unclassified with $10M-$100M revenue
Working Capital Ratio (net assets ÷ expenses)
Financial Trends
5-Year Trend Analysis
Financial Health Indicators
Filing History
13 filings on record| Year | Revenue | Expenses | Assets | |
|---|---|---|---|---|
| 2023 | $15,479,340↑37% | $11,738,290↑24% | $166,079,617↑12% | — |
| 2022 | $11,296,325↓8% | $9,450,076↓4% | $148,590,492↑4% | — |
| 2021 | $12,212,863↑21% | $9,860,833↑26% | $142,192,635↑16% | — |
| 2020 | $10,064,237↑4% | $7,841,684↑3% | $122,786,509↑27% | — |
| 2019 | $9,649,959↑10% | $7,591,154↑8% | $96,925,760↑10% | — |
| 2018 | $8,797,726↑17% | $7,022,674↑13% | $87,893,036↑7% | — |
| 2017 | $7,550,781↑18% | $6,197,703↑8% | $82,461,184↑9% | — |
| 2016 | $6,376,304↑7% | $5,734,563↑11% | $75,833,546↑13% | — |
| 2015 | $5,981,070↑6% | $5,157,000↑9% | $67,123,853↑7% | — |
| 2014 | $5,618,806↑14% | $4,729,436↑15% | $62,932,552↑9% | — |
| 2013 | $4,922,710↑10% | $4,102,814↑8% | $57,875,637↓1% | — |
| 2012 | $4,486,525↑11% | $3,792,988↑9% | $58,196,285↑8% | — |
| 2011 | $4,036,993 | $3,485,029 | $53,898,589 | — |
Frequently Asked Questions
What does First Central Credit Union do?▼
First Central Credit Union is a unclassified nonprofit organization based in Texas. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.
Is First Central Credit Union financially healthy?▼
Based on our 9-metric Financial Health Score model, First Central Credit Union has a score of 74/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.
How much revenue does First Central Credit Union generate?▼
First Central Credit Union reports $16.2M in annual revenue and holds $168.6M in total assets, based on IRS filings.
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