4U Credit Union is headquartered in Gainesville and is the 128th largest credit union in the state of Texas. It is also the 1,573rd largest credit union in the nation. It was established in 1956 and as of December of 2022, it had grown to 30 employees and 7,192 members at 3 locations. 4U Credit Union's CD rates are 4X the national average, and it 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
Membership Requirements
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.
Data as of Q4 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 11067 |
| Year Chartered | 1956 |
| Employees | 30 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.98% |
| Return on Equity - YTD | 11.51% |
| Annual Interest Income | $4.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2022vs Q4 2021 | $134.3MM$129.0MM |
| Loans | Q4 2022vs Q4 2021 | $95.0MM$89.0MM |
| Deposits | Q4 2022vs Q4 2021 | $121.1MM$118.1MM |
| Equity Capital | Q4 2022vs Q4 2021 | $11.5MM$10.0MM |
| Loan Loss Allowance | Q4 2022vs Q4 2021 | $100.00K$92.00K |
| Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $78.00K$76.00K |
| Real Estate Owned | Q4 2022vs Q4 2021 | $0$0 |