Waco
Waco is a credit union based in Waco, Texas, established in 1949, with $20 million in total assets serving 1,947 members. By Trust Grade it ranks 221st of 379 credit unions we track in Texas. Its net worth ratio of 10.0% trails most similarly sized credit unions (17th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.98% return on assets. No consumer complaints against Waco appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Waco compares to Texas peers
How we graded Waco
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.0% capital ratio)
- Profitable (ROA 0.98%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Waco over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Waco insured?
Yes. Waco is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Waco: frequently asked questions
Is Waco a good credit union?
Waco earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (10.0% capital ratio); Profitable (ROA 0.98%).
Is Waco NCUA-insured?
Yes. Waco is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Waco?
Waco holds $20 million in total assets, ranking 221st of 379 credit unions we track in Texas. It serves 1,947 members.
Does Waco have CFPB complaints?
No CFPB complaints against Waco appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
