Credit union · NCUA insured
First Community Credit Union
Top CarrotA $3B credit union, the 170th largest of 4,329, headquartered in Houston, TX, with 186,819 members and 15 branches in Texas. Best rates: CDs 4.50% APY.
First Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#5 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Community Credit Union
First Community Credit Union proudly serves 41 counties across Texas.
Begun in education, the not-for-profit credit union is governed by a board of directors composed of members.
- Headquarters
- 15260 FM 529 Rd, Houston, TX 77095-3252
- NCUA charter
- 66818
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, attends school, or worships in one of the 41 Texas counties served by First Community Credit Union.
Employers and groups
- Membership is open to any person employed by or a member of a Select Employee Group.
Family and household
- Membership is open to any relative or family member of an FCCU member or employee.
Branches
15 branches in Texas
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Texas
15 branches
- AdministrationMain office15260 FM 529 Rd, Houston, TX 77095Directions
- Fairfield28550 Highway 290, Cypress, TX 77433Directions
- Alief Temporary12121 Westheimer Rd, Ste 201, Houston, TX 77077Directions
- Copperfield15260 FM 529 Rd, Houston, TX 77095Directions
- Fairbanks8600 Jameel Rd, Ste 90, Houston, TX 77040Directions
- Spring Branch9100 Westview Dr, Houston, TX 77055Directions
- Cinco Ranch23120 Cinco Ranch Blvd, Katy, TX 77494Directions
- Morton Ranch2811 W Grand Pkwy N Ste 110, Katy, TX 77449Directions
- Research Forest32803 FM 2978 Rd, Magnolia, TX 77354Directions
- Sienna8900 Highway 6, Missouri City, TX 77459Directions
- Aliana10161 W. Grand Parkway, Richmond, TX 77407Directions
- Westpark23803 FM 1093 Rd, Richmond, TX 77406Directions
- 99 North7210 N Grand Pkwy W, Unit A, Spring, TX 77379Directions
- Sugar Land3400 Highway 6, Sugar Land, TX 77478Directions
- Tomball26926 State Highway 249, Tomball, TX 77375Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.98% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.86% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $118 | $88 | — |
- CapitalNet worth ratio7.98%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$118Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 First Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.