credit union · NCUA 67644 · TX
How big is FIRST CENTRAL?
FIRST CENTRAL (TX, NCUA charter 67644) reported total assets of $191.7M, 20,958 members and a net worth ratio of 16.35% in its Call Report for 2026Q2. That ranks 1313 of 4,299 federally insured credit unions by assets, 554 of 1,061 among credit unions with $100m-$500m in assets, 106 of 380 credit unions in texas.
What stands out
FIRST CENTRAL (TX, NCUA charter 67644) reported total assets of $191.7M, 20,958 members and a net worth ratio of 16.35% in its Call Report for 2026Q2. That ranks 1313 of 4,299 federally insured credit unions by assets, 554 of 1,061 among credit unions with $100m-$500m in assets, 106 of 380 credit unions in texas. Against its size class: net worth ratio 16.35%, above the peer median of 11.65%; loan-to-share ratio 61.28%, below the peer median of 73.15%; return on assets 1.19%, above the peer median of 0.74%. At 16.35% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $191.7M | $198.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $160.2M | $172.3M | $40.8M | $58.3M | record → |
| Loans outstanding | $98.2M | $125.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $1.1M | $766.3k | $141.6k | $222.2k | record → |
| Net worth | $30.2M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 16.35% | 11.65% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 61.28% | 73.15% | 70.24% | 68.70% | computed |
| Return on assets | 1.19% | 0.74% | 0.59% | 0.71% | computed |
| Members | 20,958 | 13,230 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $191.7M | $160.2M | $98.2M | $1.1M | 16.35% | 20,958 | 1313 |
| 2026Q1 | $188.4M | $157.2M | $89.7M | $637.5k | 16.45% | 20,753 | 1328 |
| 2025Q4 | $181.1M | $150.2M | $91.4M | $2.7M | 16.38% | 20,527 | 1353 |
| 2025Q3 | $177.5M | $147.4M | $91.0M | $2.2M | 16.40% | 20,461 | 1364 |
| 2025Q2 | $174.6M | $145.5M | $89.9M | $1.0M | 15.82% | 20,233 | 1384 |
| 2025Q1 | $176.3M | $148.2M | $88.7M | $551.1k | 15.69% | 20,310 | 1367 |
| 2024Q4 | $168.6M | $142.6M | $90.6M | $1.6M | 15.63% | 20,037 | 1396 |
| 2024Q3 | $168.7M | $142.1M | $91.2M | $1.4M | 15.48% | 19,844 | 1391 |
| 2024Q2 | $172.3M | $146.5M | $91.7M | $1.1M | 15.61% | 19,658 | 1372 |
| 2024Q1 | $171.0M | $146.0M | $90.5M | $517.7k | 15.76% | 19,948 | 1380 |
| 2023Q4 | $166.1M | $141.4M | $90.7M | $3.7M | 15.92% | 19,650 | 1398 |
| 2023Q3 | $153.6M | $129.9M | $80.2M | $1.2M | 14.71% | 19,515 | 1450 |
| 2023Q2 | $150.6M | $130.4M | $77.6M | $899.6k | 14.67% | 19,229 | 1471 |
| 2023Q1 | $151.6M | $131.3M | $77.1M | $306.2k | 14.32% | 19,440 | 1479 |
| 2022Q4 | $148.6M | $128.7M | $76.8M | $1.8M | 14.14% | 19,214 | 1490 |
| 2022Q3 | $146.8M | $128.1M | $76.4M | $1.6M | 14.15% | 18,996 | 1505 |
| 2022Q2 | $148.7M | $129.1M | $72.6M | $973.6k | 13.83% | 18,777 | 1495 |
| 2022Q1 | $150.6M | $129.6M | $67.7M | $455.7k | 13.79% | 18,674 | 1489 |
| 2021Q4 | $142.2M | $120.6M | $65.8M | $2.4M | 13.82% | 18,384 | 1516 |
| 2021Q3 | $140.9M | $120.5M | $63.0M | $1.8M | 13.90% | 18,154 | 1520 |
| 2021Q2 | $135.2M | $115.8M | $59.6M | $510.7k | 13.58% | 17,853 | 1546 |
| 2021Q1 | $136.3M | $116.4M | $56.3M | $291.8k | 13.96% | 17,625 | 1543 |
| 2020Q4 | $122.8M | $103.4M | $56.4M | $2.2M | 14.67% | 17,273 | 1567 |
| 2020Q3 | $116.1M | $97.3M | $54.3M | $1.6M | 15.00% | 17,001 | 1604 |
| 2020Q2 | $114.8M | $96.2M | $54.3M | $1.4M | 15.61% | 16,811 | 1606 |
| 2020Q1 | $104.8M | $87.1M | $55.0M | $1.1M | 16.10% | 16,981 | 1616 |
| 2019Q4 | $96.9M | $80.5M | $56.3M | $2.1M | 15.31% | 16,691 | 1660 |
| 2019Q3 | $94.3M | $78.3M | $56.5M | $1.7M | 15.29% | 16,433 | 1676 |
| 2019Q2 | $94.7M | $79.3M | $55.5M | $1.2M | 15.00% | 16,093 | 1686 |
| 2019Q1 | $95.1M | $80.2M | $54.5M | $593.7k | 14.60% | 16,154 | 1678 |
| 2018Q4 | $87.9M | $74.1M | $55.2M | $1.8M | 14.25% | 15,813 | 1728 |
| 2018Q3 | $89.1M | $75.4M | $54.7M | $1.3M | 13.96% | 15,564 | 1720 |
| 2018Q2 | $87.3M | $74.4M | $52.1M | $835.0k | 13.70% | 15,175 | 1749 |
| 2018Q1 | $87.8M | $75.2M | $51.0M | $431.4k | 13.51% | 15,143 | 1744 |
| 2017Q4 | $82.5M | $70.3M | $50.9M | $1.4M | 13.26% | 14,742 | 1784 |
| 2017Q3 | $80.6M | $68.9M | $50.3M | $929.2k | 13.00% | 14,507 | 1813 |
| 2017Q2 | $80.2M | $68.6M | $49.2M | $596.1k | 12.82% | 14,155 | 1827 |
| 2017Q1 | $81.1M | $69.5M | $47.2M | $261.2k | 12.70% | 14,133 | 1817 |
| 2016Q4 | $75.8M | $65.0M | $45.6M | $641.7k | 12.65% | 13,699 | 1861 |
| 2016Q3 | $74.7M | $64.2M | $44.5M | $451.6k | 12.77% | 13,286 | 1874 |
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