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
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
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.
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%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 29 | 29 | 0 | 100.0% | 0.0% |
| 2021 | 50 | 50 | 0 | 100.0% | 0.0% |
No CFPB complaint data available for this credit union.
4U 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
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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.