4U Credit Union


Overview / Commentary
940-665-1797
1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 126th largest credit union in the state of Texas. It is also the 1,560th largest credit union in the nation. It was established in 1956 and as of June of 2022, it had grown to 28 employees and 7,924 members at 3 locations. 4U Credit Union has an A health rating.

Field of Membership Restrictions

4U Credit Union is open to those who live, work, worship, or go to school in Cooke or Grayson counties. Immediate family are also eligible to join.
See current membership details

Reviews (1)

Membership Requirements

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In order to be eligible to receive the benefits of the high interest checking, you must become a member of the credit union. The requirements for joining are:

Work, live, attend school or worship in Cooke County Texas or have a family member who is a member.

Accounts must be opened in person.



Health

Health Grade Components

Overall
NCUA #11067
Year Chartered1956
Employees28
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD11.51%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$137.7MM$123.9MM
LoansQ2 2022vs Q2 2021$94.0MM$83.1MM
DepositsQ2 2022vs Q2 2021$125.7MM$113.0MM
Equity CapitalQ2 2022vs Q2 2021$10.8MM$9.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$97.00K$91.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$102.00K$194.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates

Rates for 4U Credit Union are currently being reviewed.

Locations


4U Credit Union Locations
Branch Office1312 Lawrence StGainesville, TX 76240
Branch Office418 N Union StWhitesboro, TX 76273
Branch Office100 Kiowa Dr W Apt 104Lake Kiowa, TX 76240-9507

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