Credit union · NCUA insured
GENCO Federal Credit Union
Top CarrotA $490.9M credit union headquartered in Waco, TX, with 38,363 members and 5 branches in Texas. Best rates: savings 1.20% APY.
GENCO Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#2 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GENCO Federal Credit Union
GENCO Federal Credit Union has been in business and serving its members since 1953.
Membership is open to those who live, work, or worship in McLennan or Angelina counties, as well as certain eligible family members of GENCO members.
- Headquarters
- 731 N Valley Mills Dr, Waco, TX 76710-4848
- NCUA charter
- 8585
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in McLennan or Angelina counties are eligible for membership.
Family and household
- Certain family members of GENCO members (spouses, children, parents, brothers and sisters, stepchildren and stepparents, grandchildren, and grandparents) are eligible to join.
Cost to join
- Membership requires opening a savings account with a minimum balance of $5.
Branches
5 branches in Texas
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Texas
5 branches
Waco area · 4
- Valley MillsMain office731 N Valley Mills Dr, Waco, TX 76710Directions
- Lorena230 N Frontage Rd, Lorena, TX 76655Directions
- Northeast1500 N Loop 340, Waco, TX 76705Directions
- Woodway105 Archway Dr, Woodway, TX 76712Directions
Lufkin area · 1
- Lufkin1402 S John Redditt Dr, Lufkin, TX 75904Directions
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 | 14.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.19% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.98% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $57 | $76 | — |
- CapitalNet worth ratio14.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.19%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.98%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$57Peers’ 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 GENCO 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.