GREATER CENTRAL TEXAS Credit Union Profile

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GREATER CENTRAL TEXAS

Charter #11995 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (254) 690-2274

Fax: (254) 690-2708

Founding Date: N/A

Website: http://www.gctfcu.net

Personnel & Operations

President: Caruso, Stephen

Manager: Whitson, Bobby

FT Employees: 7

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: 8.00AM THRU 5.30PM SAT 9.00AM THUR 12.00PM

Credit Union Profile Summary

GREATER CENTRAL TEXAS is a FCU Credit Union. With a total of 2,128 members [1], this institution manages approximately $33,962,955 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.59% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.22% [1].

Financial Snapshot

Total Assets [1]
$33,962,955

Total economic resources.

Total Loans [1]
$8,774,137

Total value of outstanding loans.

Total Deposits [1]
$30,272,774

Total funds deposited by members.

Members [1]
2,128

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.59%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.12%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
28.98%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.63%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.22%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.25%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3305 E ELMS RD

KILLEEN, TX, 76542
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by GREATER CENTRAL TEXAS (Charter #11995).

Main Office

Greater Central Texas Main Office

Type: Corporate Office

3305 E Elms Rd

Killeen, TX 76542

Phone: (254) 690-2274

Services: Member Services, ATM, Drive-Thru

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