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1st Community Credit Union

Overview
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1st Community Credit Union is a federal credit union based in San Angelo, Texas. It has been opened since 1953, for 67 years.

With around $258,930,000 in assets, 1st Community Credit Union is considered to be a very large credit union. It has 8 branches and 11 ATM locations.

About
Address 3505 Wildewood Drive
San Angelo, Texas 76904
Website http://www.1cfcu.org
Phone (325) 653-1465
Fax (325) 947-2481
CEO Bill D. Nikolauk
President of the Board Ellison Weldon
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
21,393 members
Membership type: Unknown
Above average number of members
225:1
Credit union member to staff ratio
225 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$258,926,702
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
8.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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8 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
1st Community Credit Union Branch Locations

1st Community Credit Union: Wildewood
3505 Wildewood Drive
San Angelo, Texas 76904
ATM Available
1st Community Credit Union: Eldorado
3505 Wildewood Drive
Branch Location:107 South Divide, Eldorado, Tx 76936
San Angelo, Texas 76904
ATM Available
1st Community Credit Union: Ballinger
121 North 8th Street
Ballinger, Texas 76821
No ATM
1st Community Credit Union: Fort Stockton
800 W. Dickinson Boulevard
Fort Stockton, Texas 79735
ATM Available
1st Community Credit Union: Crane
501 S. Alford Street
Crane, Texas 79731
ATM Available
1st Community Credit Union: Northside
620 W. 29th Street
San Angelo, Texas 76903
ATM Available
1st Community Credit Union: Base
282 Kearney Boulevard Building 3218
Goodfellow Afb, Texas 76908
ATM Available
Members
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21,393 members
Membership type: Unknown
Above average number of members

With 21,393 members, the 1st Community Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 83% of credit unions.

Fees
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$80
Average fee per member
The average fee per member at the 1st Community Credit Union is $80, which is high compared to most credit unions. This rate is higher than 74% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the 1st Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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225:1
Credit union member to staff ratio
225 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
95 staff members
FTE (full-time equivalent)
14% of employees are part-time
88 full-time, 14 part-time

1st Community Credit Union has 88 full-time staff members and 14 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 86% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. 1st Community Credit Union has around 225 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$258,926,702
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$15,421
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 81% of credit unions.

1st Community Credit Union holds a total of $196,210,000 in loans and leases, which is about $15,421 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. 1st Community Credit Union pays 0.10%.

Loan rates
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8.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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1.99%
New car loan rate
Compared to 4.0% nationally
1.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
6.00%
Other real estate loan rates
Compared to 0.9% nationally
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