1st University
1st University is a credit union based in Waco, Texas, established in 1956, with $18 million in total assets serving 1,904 members. By Trust Grade it ranks 271st of 379 credit unions we track in Texas. Its net worth ratio of 10.4% trails most similarly sized credit unions (20th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.20% return on assets. No consumer complaints against 1st University appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 1st University compares to Texas peers
How we graded 1st University
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.4% capital ratio)
- Profitable (ROA 0.20%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 1st University over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at 1st University insured?
Yes. 1st University 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.
1st University: frequently asked questions
Is 1st University a good credit union?
1st University earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (10.4% capital ratio); Profitable (ROA 0.20%).
Is 1st University NCUA-insured?
Yes. 1st University 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 1st University?
1st University holds $18 million in total assets, ranking 271st of 379 credit unions we track in Texas. It serves 1,904 members.
Does 1st University have CFPB complaints?
No CFPB complaints against 1st University 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.
