FIRST CENTRAL
Charter #67644 · Waco, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 20,753 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.45% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.54% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.98% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $188.44M | 47th pct | 49th pct |
| Members | 20,753 | 79th pct | 87th pct |
| Net worth ratio | 16.45% | 91th pct | 87th pct |
| Return on average assets | 1.38% | 85th pct | 74th pct |
| Net interest margin | 4.25% | 83th pct | 87th pct |
| Cost of funds | 1.54% | 69th pct | 79th pct |
| Loan-to-share | 57.04% | 21th pct | 34th pct |
| Delinquency 60+ days | 1.98% | 95th pct | 95th pct |
| Net charge-off ratio | 0.97% | 88th pct | 80th pct |
| Loan growth YoY | -1.41% | 31th pct | 33th pct |
| Share growth YoY | 6.69% | 86th pct | 84th pct |
| Efficiency ratio | 77.41% | 45th pct | 61th pct |
structural peer set hash: 95205a0d80051c4c67a15a86f707a89e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.