Credit union · NCUA insured
1st Community Federal Credit Union
A $422.2M credit union headquartered in San Angelo, TX, with 23,575 members and 9 branches in Texas. Best rates: CDs 3.75% and savings 0.25% APY.
1st Community Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#5 of 8 in San Angelo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Community Federal Credit Union
Chartered on June 8, 1953, 1st Community Federal Credit Union opened its first office on Goodfellow Air Force Base in San Angelo, Texas.
Headquartered in San Angelo, Texas, the member-owned cooperative operates nine offices across Texas communities including Ballinger, Eldorado, Fort Stockton, Midland, and Crane.
- Headquarters
- 3505 Wildewood Dr, San Angelo, TX 76904
- NCUA charter
- 8715
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties in Texas are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of persons having primary potential eligibility to join the Credit Union are eligible.
Other ways
- Businesses, organizations, and other legal entities located in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties of Texas are eligible for membership.
Cost to join
- Members must make a minimum deposit of $25.00 to a Share (savings) Account representing the par value of a share, which is refundable if membership is closed after at least 90 days.
- A one-time non-refundable joining fee of $5.00 is required to establish membership.
Branches
9 branches in Texas
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Texas
9 branches
San Angelo area · 4
- WildewoodMain office3505 Wildewood Dr, San Angelo, TX 76904Directions
- Base282 Kearney Blvd Bldg 3218, Goodfellow AFB, TX 76908Directions
- College Hills4141 College Hills Blvd, San Angelo, TX 76904Directions
- Northside620 W 29th St, San Angelo, TX 76903Directions
Ballinger area · 1
- Ballinger121 N 8th St, Ballinger, TX 76821Directions
Crane area · 1
- Crane501 S Alford St, Crane, TX 79731Directions
Eldorado area · 1
- Eldorado107 S Divide St, 107 South Divide St., Eldorado, TX 76936Directions
Fort Stockton area · 1
- Fort Stockton800 W Dickinson Blvd, Fort Stockton, TX 79735Directions
Midland area · 1
- Midland4616 Briarwood Ave, Midland, TX 79707Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio13.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.