4U Credit Union


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

4U Credit Union is headquartered in Gainesville and is the 122nd largest credit union in the state of Texas. It is also the 1,517th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 36 employees and 8,162 members at 4 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, Texas. Immediate family are also eligible to join.
See current membership details

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Health

Health Grade Components

Overall
NCUA #11067
Year Chartered1956
Employees36
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD8.47%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$145.2MM$136.6MM
LoansQ1 2025vs Q1 2024$108MM$97.7MM
DepositsQ1 2025vs Q1 2024$131.2MM$122.9MM
Equity CapitalQ1 2025vs Q1 2024$12.9MM$12.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$171K$152K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$44K$7K
Real Estate OwnedQ1 2025vs Q1 2024$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
Branch Office100 E Woodland StCollinsville, TX 76233

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