4U
Gainesville, TX · Federal Credit Union · Chartered in TX
Who can join
Employer / occupational group
Members
7,349
Net Worth Ratio
9.09%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$152.0M
Peer Group 5
Members
7,349
as of latest quarter
Net Worth Ratio
9.09%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$152.0M
Total Shares
$136.8M
Total Loans
$120.5M
Net Worth Ratio
9.09%
≥7% = Well Capitalized
Members
7,349
Delinquency Rate (60d+)
0.00%
$665
Loan-to-share ratio: 88.1%· healthy range 60–80%
Branch Locations
NCUA4U FCU
1312 Lawrence St, Gainesville, TX, 76240
Lobby 9:00 am to 4:30 pm Drive Thru 8:00 am to 6:00 pm
Collinsville Branch
100 E Woodland St, Collinsville, TX, 76233
M - F 9:00am - 4:30pm lobbyM - F 8:00am - 6:00pm drive-thruSaturday 9:00 am - 12:00pm
Lake Kiowa Branch
100 Kiowa Dr W Apt 104, Lake Kiowa, TX, 76240-9507
Lobby M-F 9:00 to 4:30 Drive Thru M-F 8:00 - 6:00 Sat 9:00 - 12:00
Whitesboro Branch
418 N Union St, Whitesboro, TX, 76273
8:00 am - 6:00 pm
Sherman
1901S Heritage Pkwy, Sherman, TX, 75092
M-F 8:00am-6:00pm S 9:00am-12:00pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/4u" target="_blank" rel="noopener">View 4U on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.