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.
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
Overall | |
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NCUA # | 11067 |
Year Chartered | 1956 |
Employees | 36 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.77% |
Return on Equity - YTD | 8.47% |
Annual Interest Income | $1.6MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $145.2MM$136.6MM |
Loans | Q1 2025vs Q1 2024 | $108MM$97.7MM |
Deposits | Q1 2025vs Q1 2024 | $131.2MM$122.9MM |
Equity Capital | Q1 2025vs Q1 2024 | $12.9MM$12.1MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $171K$152K |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $44K$7K |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
Rates for 4U Credit Union are currently being reviewed.
4U Credit Union Locations | ||
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Branch Office | 1312 Lawrence St | Gainesville, TX 76240 |
Branch Office | 418 N Union St | Whitesboro, TX 76273 |
Branch Office | 100 Kiowa Dr W Apt 104 | Lake Kiowa, TX 76240-9507 |
Branch Office | 100 E Woodland St | Collinsville, TX 76233 |
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