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
Call Report peers
Chocolate Bayou Community in the assets neighbourhood
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
Chocolate Bayou Community sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Texoma Educators (#177) ties at 85/100; one place down, Laredo Fire Department (#179) ties at 85/100.
Quarter path for Chocolate Bayou Community
Chocolate Bayou Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $156.0M (2025Q4) to $156.9M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.63% → 12.85%).
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
Chocolate Bayou Community gives up 15 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Chocolate Bayou Community financially healthy?
Chocolate Bayou Community has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,952 of 4,374 nationally on health and #178 of 386 in Texas. Its net worth ratio is 12.85% and its delinquency rate 0.61%.
How does Chocolate Bayou Community compare to other credit unions?
Chocolate Bayou Community scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.85% vs 12.11%). Its widest shortfall is loan-to-share ratio (60.30% vs 72.20%).
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?
Chocolate Bayou Community 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. Chocolate Bayou Community's net worth ratio of 12.85% 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.