First Central Credit Union

Weiss Ratings	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	6.60
Capitalization Index	10.00
Liquidity Index	4.30
Profitability Index	10.00
Stability Index	9.10

Company Info	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5898
Phone Number	(254) 776-9333
Website	www.firstcentralcu.com

Asset Quality	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	11.77%
5-Year Asset Growth	13.57%
5-Year Charge-Offs to Average Loans	0.59%
Charge-Offs to Average Loans	0.41%
Non-Performing Assets to Assets	1.37%
Non-Performing Loans to Capital	10.21%
Non-Performing Loans to Loans	2.09%

Balance Sheet	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	166.08M
Total Deposits	141.38M

Capital and Reserves	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
Capital	21.15M
Leverage Ratio	14.90
Loan Loss Reserves to Loans	1.17%

Liquidity	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	5.08%
Liquidity Ratio	21.99%

Profitability	First Central Credit Union Waco, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.84%
Net Income	3.74M
Net Interest Spread	4.86%
Operating Profit to Average Assets	2.76%
Overhead Efficiency Ratio	71.12%
Return on Assets	2.44%
Return on Equity	21.02%