Credit union · NCUA insured
1st University CU
A $17.8M credit union headquartered in Waco, TX, with 1,904 members and 1 branch in Texas. Best rates: CDs 2.27% and savings 0.10% APY.
1st University CU Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#12 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st University CU
Founded in 1956 as Baylor Employees Credit Union, 1st University Credit Union is a member-owned financial cooperative based in Waco, Texas.
The credit union serves the Baylor community alongside residents and communities across McLennan, Bosque, and Erath counties.
- Headquarters
- 24 La Salle Ave unit C, Waco, TX 76706
- NCUA charter
- 67483
Branches
1 branch in Texas
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Texas
1 branch
- 1st University Credit UnionMain office24 La Salle Ave unit C, Waco, TX 76706Directions
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 | 10.02% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio10.02%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 University CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.