Credit union · NCUA insured
MCLENNAN COUNTY EMPLOYEES FCU
A $20.7M credit union headquartered in Waco, TX, with 1,340 members and 1 branch in Texas. Best rates: CDs 1.10% and savings 0.40% APY.
MCLENNAN COUNTY EMPLOYEES FCU Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#17 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MCLENNAN COUNTY EMPLOYEES FCU
McLennan County Employees Federal Credit Union is a member-owned credit union based in Waco, Texas, that was chartered in 1955.
- Headquarters
- 215 N 5th St Ste 224, Waco, TX 76701-1364
- NCUA charter
- 10461
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this Credit Union are eligible to join.
Military, government and schools
- Employees of McLennan County, Texas are eligible to join.
Family and household
- Members of immediate families of qualifying employees are eligible to join.
Other ways
- Organizations of eligible persons are eligible for membership.
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- Corporate OfficeMain office215 N 5th St Ste 224, Waco, TX 76701Directions
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 | 25.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio25.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ 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 MCLENNAN COUNTY EMPLOYEES FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.