CU Explorer
Credit unions · Texas · Q2 2026

First Watch FCU

Credit union in Abilene, TX · NCUA charter #13290 · Federal charter

Legal name: First Watch

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$105M
Total loans & leases$69.1M
Total shares & deposits$94.7M
Members9,088
Net worth$9.8M
Net worth / assets9.32%
Loans / assets65.95%
Return on assets (annualized)0.19%
Loan growth (YoY)0.30%
Member growth (YoY)−2.88%
Delinquency, all loans (60+ days)0.03%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, account aggregation, e-signature, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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