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
- NCUSIF 95/100
- CAMELS 9.1%
- HEALTH 0.20%
- NW 0.40%
- DELQ $147.5M
- ROA 8,420
- ASSETS #424/4,374
- MEM Lincoln Maine
- RANK 11067
Call Report peers
4U in the assets neighbourhood
4U's $147.5M assets sit next to Lincoln Maine ($147.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
4U - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11067: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for 4U
4U: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $147.5M (2025Q4) to $152.0M (2026Q1).
- Net-worth ratio shifted -0.22 pp (9.31% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for 4U - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($147.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 4U financially healthy?
4U scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #424 of 4,374; by total assets it ranks #1,499 of 4,374 nationally (same basis as /rankings/largest); and #123 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.09% net worth ratio and a 0.20% delinquency rate.
How does 4U compare to other credit unions?
Five weighted metrics from NCUA filings produce 4U's 95/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 4U are 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."
What rates does 4U offer compared to banks?
Credit unions like 4U are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 4U directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.