4U Credit Union

Overview / Commentary
1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 129th largest credit union in the state of Texas. It is also the 1,588th largest credit union in the nation. It was established in 1956 and as of June of 2023, it had grown to 32 employees and 8,225 members at 4 locations. 4U Credit Union has a B 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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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 Grade Components

NCUA #11067
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.69%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$131.0MM$137.7MM
LoansQ2 2023vs Q2 2022$94.7MM$94.0MM
DepositsQ2 2023vs Q2 2022$116.7MM$125.7MM
Equity CapitalQ2 2023vs Q2 2022$11.7MM$10.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$97.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$150.00K$102.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for 4U Credit Union are currently being reviewed.


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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