Side-by-side · Q2 2026 data
4u Federal Credit Union vs Chocolate Bayou Community Federal Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | 4u Federal Credit Union | Chocolate Bayou Community Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 39 | 79 (stronger) |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 29 | 53 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 29th | 71st |
| Total assets | $156.2M | $158.1M |
| Deposits / shares | $140.6M | $136.7M |
| Capital ratio | 8.91% | 12.87% (stronger) |
| Problem loans | 0.04% (stronger) | 0.77% |
| Net charge-offs | 0.04% (stronger) | 0.29% |
| Return on assets | 0.23% | 0.82% (stronger) |
| Loans ÷ deposits | 86.5% | 57.0% (stronger) |
| Uninsured deposits | 12.0% | 6.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 54.4% |
Chocolate Bayou Community Federal Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), 4u Federal Credit Union leads on 2 and Chocolate Bayou Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.