First Central Credit Union
Provides educational programs and resources to empower individuals and communities. For fiscal year 2024 it reported $16.2M in revenue, $14.6M in expenses, and $23.0M in net assets.Pt I
- Founded
- 1937
- Type
- Mutual-benefit / member-serving · Nonprofit
- Location
- Waco, TX
- Website
- www.firstcentralcu.com
- Filings
- 5 on file (2020–2024)
More identity details & actions ⌄
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Summary of the Filing
Identity & Classification
Governance & Policies
Officers, Directors & Key Employees
Compensation history total reportable pay by year · 6 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Jo Betsy Tyler | $347,628 | $321,829 | $262,850 | $218,072 | $194,590 |
| Shelli McCoy | $147,445 | $139,693 | — | — | — |
| Rachael Bosse | $140,337 | $145,365 | $114,697 | — | — |
| Orlando Rodriguez JR | $130,886 | $113,122 | $109,356 | — | — |
| Linda Gunn | $101,514 | $105,125 | — | — | — |
| Nicholas Cook | $100,484 | — | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Where the work happens
Checking Accounts
First central credit union provides checking accounts for members with various features from free checking accounts to those with enhanced benefits such as checking accounts with monthly rewards. We do offer checking accounts that pay dividends monthly.
Share Accounts
First central credit union's share accounts offer advantages to members of all ages. The credit union had 20,037 member owned accounts as of december 31, 2024. Member savings accounts pay dividends quarterly.
Member Loans
First central credit union provides vehicle loans, signature loans, home equity loans, real estate loans, and credit cards. We utilize very efficient under writing procedures to provide reasonable and competitive rates to our members.
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Statement of Revenue
Balance Sheet
Financial Metrics
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
| Metric | This org | Peer median | Percentile |
|---|---|---|---|
| Overhead ratio | 0% | — | — |
| Revenue growth | 5% | — | — |
| Investment management fee ratio | 0.01% | — | — |
| Legal fee ratio | 0.07% | — | — |
| Accounting fee ratio | 0.4% | — | — |
| Fundraising fee ratio | 0% | — | — |
Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.
Grants
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Filings & Schedule Manifest
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Sources
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