Credit union · NCUA insured
Linkage Credit Union
A $17.9M credit union headquartered in Waco, TX, with 1,903 members and 1 branch in Texas.
Linkage Credit Union Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#11 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Linkage Credit Union
Chartered in Texas in April 1931 as Waco Texas Federal Employees Credit Union, the institution later operated as Postal Employees Credit Union and Waco Postal Credit Union before becoming Linkage Credit Union.
Linkage Credit Union is headquartered in Waco, Texas.
- Headquarters
- 4527 Speight Ave, Waco, TX 76711
- NCUA charter
- 67519
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This may be incomplete or out of date, so check with the credit union before you apply.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 reside, work, worship, or go to school in McLennan County are eligible for membership.
Employers and groups
- Employees and family of ARC Abatement are eligible for membership.
- Employees and family of Integ are eligible for membership.
- Employees and family of Plumlee Place are eligible for membership.
Military, government and schools
- Employees and family of H.O.T Council of Governments are eligible for membership.
- Employees, members, and associates of American Legion Post 121 in Waco, TX are eligible for membership.
1 more way to join
Military, government and schools
- Employees and family of the US Postal Service are eligible for membership.
Cost to join
- A minimum share deposit of $25.00 is required to open and maintain an active membership.
- A $5.00 membership fee is collected at the time of account opening.
Branches
1 branch in Texas
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Texas
1 branch
- Linkage Credit UnionMain office4527 Speight Ave, Waco, TX 76711Directions
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 | 17.92% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.27% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.08% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio17.92%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.27%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.08%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ 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 Linkage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.