Federal credit union · Gainesville, Texas · NCUA charter #11067
4U
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $147.5M
- Total assets
- 8,420
- Members
- 9.1%
- Net-worth ratio
4U scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $147.5M; members 8,420; net-worth ratio 9.09%; health rank #424 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#424 of 4,374 health · 2025Q44U · health 95/100 · $147.5M · 2025Q4
Call Report peers
4U in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
4U vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 4U sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where 4U diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.42 pp (87.62% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.09% here, 12.11% peer average (-3.02 pp).
4U in Texas
- Health composite ranks #35 of 386 among scored Texas credit unions.
- By total assets, 4U is #123 of 386 in Texas.
- Member book place in Texas: #142 of 386.
- One place up in Texas, EASTEX (#34) ties at 95/100; one place down, B. P. S. (#36) scores 94/100, 1 point lower.
Quarter path for 4U
4U: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $147.5M (2025Q4) to $152.0M (2026Q1).
- Net-worth ratio shifted -0.22 pp (9.31% → 9.09%).
At 9.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
4U gives up 5 points in total. Net Worth Ratio costs the most, 2.3 of its 30; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.5 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 14.9 pts
4U health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -3.02 pp |
| Delinquency Rate | 0.20% | -0.69 pp |
| Return on Assets | 0.40% | -0.22 pp |
| Member Growth | 4.12% | - |
| Loan-to-Share Ratio | 87.62% | +15.42 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $152.0M | - |
| 2025Q4 | $147.5M | 8,420 |
| 2024Q4 | $137.8M | 8,087 |
| 2023Q4 | $134.0M | 8,151 |
Credit Union Details
- Charter Number
- 11067
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Gainesville
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for 4U, spread across 5 cities.
| Office | City |
|---|---|
| 4U FCU (Main Office) | Gainesville, TX |
| Collinsville Branch | Collinsville, TX |
| Lake Kiowa Branch | Lake Kiowa, TX |
| Sherman | Sherman, TX |
| Whitesboro Branch | Whitesboro, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
4U nationwide neighbourhoods
Using this data
- 4U ranks #424 of 4,374 nationally on financial health and #35 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAFT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAFT
Frequently Asked Questions
Is 4U financially healthy?
On its 2025Q4 NCUA 5300 filing, 4U scores 95/100 (Excellent), with a 9.09% net worth ratio and 0.20% of loans delinquent. It ranks #424 of 4,374 nationally on health and #35 of 386 in Texas.
How does 4U compare to other credit unions?
4U scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.62% vs 72.20%). Its widest shortfall is net worth ratio (9.09% vs 12.11%).
How can I join 4U?
4U operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 4U directly for the exact boundaries and application steps.
Is my money safe at 4U?
4U is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 4U's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.