Charter 8585 · Waco, TX
Genco Federal Credit Union
Genco Federal Credit Union is a federally chartered credit union in Waco, Texas, with $495 million in assets and 38,319 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.26%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $495 million
- +5.5% in a year
- Members
- 38,319
- -1.3% in a year
- Net worth ratio
- 14.26%
- Peer median 11.65%
- Loans 60+ days late
- 0.19%
- Peer median 0.70%
- Loans outstanding
- $239 million
- +6.0% in a year
- Shares and deposits
- $422 million
- +4.4% in a year
- Branches
- 5
- 101 employees
- Opened
- 1953
- Federal charter
How Genco Federal Credit Union compares
NCUA groups credit unions by size; Genco Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.26% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.19%, is lower than the group median of 0.70%. Loans grew 6.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 65 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 | $495 million | 38,319 | $239 million | 14.26% | 0.19% |
| Q1 2026 | $491 million | 38,363 | $229 million | 13.84% | 0.28% |
| Q4 2025 | $480 million | 38,527 | $233 million | 13.68% | 0.37% |
| Q3 2025 | $476 million | 38,606 | $223 million | 13.43% | 0.22% |
| Q2 2025 | $469 million | 38,816 | $225 million | 13.25% | 0.22% |
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 270,000 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 5 sites for Genco 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.
- Valley Mills (main office)
731 N Valley Mills Dr, Waco, TX 76710 - Lufkin
1402 S John Redditt Dr, Lufkin, TX 75904 - Woodway
105 Archway Dr, Woodway, TX 76712 - Northeast
1500 N Loop 340, Waco, TX 76705 - Lorena
230 N Frontage Rd, Lorena, TX 76655
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