Charter 13290 · Abilene, TX
First Watch Federal Credit Union
First Watch Federal Credit Union is a federally chartered credit union in Abilene, Texas, with $105 million in assets and 9,088 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.33%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $105 million
- +5.6% in a year
- Members
- 9,088
- -2.9% in a year
- Net worth ratio
- 9.33%
- Peer median 11.65%
- Loans 60+ days late
- 0.03%
- Peer median 0.70%
- Loans outstanding
- $69.1 million
- +0.3% in a year
- Shares and deposits
- $94.7 million
- +6.0% in a year
- Branches
- 3
- 31 employees
- Opened
- 1959
- Federal charter
How First Watch Federal Credit Union compares
NCUA groups credit unions by size; First Watch Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.33% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.03%, is lower than the group median of 0.70%. Loans grew 0.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 140 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $105 million | 9,088 | $69.1 million | 9.33% | 0.03% |
| Q1 2026 | $106 million | 9,348 | $66.7 million | 9.22% | 0.00% |
| Q4 2025 | $100 million | 9,379 | $68.7 million | 9.62% | 0.00% |
| Q3 2025 | $99.4 million | 9,376 | $69.7 million | 9.78% | 0.00% |
| Q2 2025 | $99.1 million | 9,357 | $68.9 million | 9.75% | 0.02% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 336,059 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for First Watch Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office Pine (main office)
1118 Pine St, Abilene, TX 79601 - Catclaw
3324 Catclaw Dr, Abilene, TX 79606
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology