Federal credit union · Alvin, Texas · NCUA charter #15143
Chocolate Bayou Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $156.0M
- Total assets
- 11,704
- Members
- 12.8%
- Net-worth ratio
Chocolate Bayou Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.0M; members 11,704; net-worth ratio 12.85%; health rank #1,952 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,952 of 4,374 health · 2025Q4Chocolate Bayou Community · health 85/100 · $156.0M · 2025Q4
- RANK 85/100
- PHOTO 12.8%
- BOOK 0.61%
- CHARTER 0.93%
- NCUSIF $156.0M
- CAMELS 11,704
- HEALTH #1,952/4,374
- NW Fd Community
- DELQ 15143
Call Report peers
Chocolate Bayou Community in the assets neighbourhood
Chocolate Bayou Community's $156.0M assets sit next to Fd Community ($156.1M) 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.
Chocolate Bayou Community 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
85 Top 46% higher than 54% 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
Chocolate Bayou Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #15143: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Chocolate Bayou Community: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.74 pp (12.85% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 60.30% vs peer 72.20% (-11.90 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chocolate Bayou Community: in-state Call Report ranks
- Health composite ranks #178 of 386 among scored Texas credit unions.
- Texas assets place: #119 of 386.
- Texas membership ordinal: #118 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 Chocolate Bayou Community
Chocolate Bayou Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $156.0M (2025Q4) to $156.9M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.63% → 12.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 12.9 pts
Chocolate Bayou Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.85% | +0.74 pp |
| Delinquency Rate | 0.61% | -0.29 pp |
| Return on Assets | 0.93% | +0.31 pp |
| Member Growth | -3.23% | - |
| Loan-to-Share Ratio | 60.30% | -11.90 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 | $156.9M | - |
| 2025Q4 | $156.0M | 11,704 |
| 2024Q4 | $148.9M | 12,095 |
| 2023Q4 | $151.8M | 12,451 |
Credit Union Details
- Charter Number
- 15143
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Alvin
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Chocolate Bayou Community runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Alvin (Main Office) | Alvin, TX |
| Alvin High School | Alvin, TX |
| Manvel High School | Manvel, TX |
| Pearland | Pearland, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Chocolate Bayou Community
Chocolate Bayou Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($156.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Chocolate Bayou Community ranks #1,952 of 4,374 nationally on financial health and #178 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kerr County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kerr County
- 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 Chocolate Bayou Community financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Chocolate Bayou Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,952 of 4,374; by total assets it ranks #1,467 of 4,374 nationally (same basis as /rankings/largest); and #119 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.85% net worth ratio and 0.61% delinquency rate are the key drivers.
How does Chocolate Bayou Community compare to other credit unions?
85/100 is Chocolate Bayou Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Chocolate Bayou Community?
Chocolate Bayou Community 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 Chocolate Bayou Community directly for the exact boundaries and application steps.
Is my money safe at Chocolate Bayou Community?
Federal credit unions like Chocolate Bayou Community 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. Chocolate Bayou Community's net worth ratio of 12.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chocolate Bayou Community offer compared to banks?
Credit unions like Chocolate Bayou Community 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 Chocolate Bayou Community 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.