Federal credit union · Alvin, Texas · NCUA charter #15143
Chocolate Bayou Community
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $156.0M
- Total assets
- 11,704
- Members
- 12.6%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth21
- Liquidity (loan-to-share)85
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.63% | 30% |
| Delinquency Rate | 0.61% | 25% |
| Return on Assets | 0.93% | 15% |
| Member Growth | -3.23% | 15% |
| Loan-to-Share Ratio | 60.30% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Chocolate Bayou Community
Headquartered in Alvin, Texas, Chocolate Bayou Community is a federal credit union with 11,704 members, $156.0M in total assets, and $82.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 12.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #15143 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 60.30% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.61% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.93% on net income of $1.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.23%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.63% 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 12.63% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.