TellerScore

Headquartered in Gainesville, Texas, 4u Federal Credit Union is a federal credit union with $156.2M in total assets and $140.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

4u Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 269th. Loan quality contributes the most (99/100, 0.04%); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.91%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity74/100
Loans ÷ shares: 86.5% · 12.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (72 → 63), mostly because the earnings component weakened by 35 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202568
Q2 202572
Q3 202569
Q4 202567
Q1 202663
Q2 202663
Net worth ratio
7.00%8.21%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.02%
Q3 20249.15%
Q4 20249.15%
Q1 20258.87%
Q2 20259.43%
Q3 20259.36%
Q4 20259.31%
Q1 20269.09%
Q2 20268.91%
Delinquent loans (60+ days)
0.02%0.11%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.12%
Q4 20240.09%
Q1 20250.04%
Q2 20250.07%
Q3 20250.12%
Q4 20250.20%
Q1 20260.02%
Q2 20260.04%
Return on assets
0.20%0.65%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.31%
Q4 20240.43%
Q1 20250.75%
Q2 20251.10%
Q3 20250.84%
Q4 20250.77%
Q1 20260.20%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$156.2M8.91%0.04%0.23%86.5%
Q1 202663$152.0M9.09%0.02%0.20%88.1%
Q4 202567$147.5M9.31%0.20%0.77%87.6%
Q3 202569$144.5M9.36%0.12%0.84%84.4%
Q2 202572$142.1M9.43%0.07%1.10%84.9%
Q1 202568$145.2M8.87%0.04%0.75%82.3%
Q4 202465$137.8M9.15%0.09%0.43%87.0%
Q3 202465$135.1M9.15%0.12%0.31%83.2%
Q2 202464$135.4M9.02%0.10%0.27%81.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.91%
12th
Problem loans0.04%
98th
Net charge-offs0.04%
93rd
Return on assets0.23%
13th
Loans to deposits86.5%
25th
Uninsured deposits12.0%
11th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
96th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Kerr County Federal Credit UnionCredit union Kerrville, TX67 out of 100, Moderate$156.2M12.1%1.17%vs
Chocolate Bayou Community Federal Credit UnionCredit union Alvin, TX77 out of 100, Strong$158.1M12.9%0.77%vs
Communities of Abilene Federal Credit UnionCredit union Abilene, TX72 out of 100, Strong$161.1M10.9%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Community Service Credit UnionCredit union Huntsville, TX59 out of 100, Moderate$163.8M9.4%0.82%vs
River City Federal Credit UnionCredit union San Antonio, TX44 out of 100, Below average$147.8M11.2%2.00%vs

Deposit insurance

Is my money safe at 4u Federal Credit Union?

Yes. 4u Federal Credit Union is a federally insured credit union (NCUA charter #11067). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.0% of shares and deposits ($16.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.91%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

4u Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 4u Federal Credit Union reported 27 home-loan applications under HMDA (LEI 254900EQ7TPQ6NBKRF55): 27 originated ($3,985,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
4u Federal Credit Union
Type
Federal credit union
NCUA charter #
11067
RSSD ID
635484
Primary regulator
NCUA
Established
1956
Headquarters
1312 Lawrence St, Gainesville, TX 76240
Employees
37

Quick answers

4u Federal Credit Union: common questions

Is 4u Federal Credit Union NCUA insured?

Yes. 4u Federal Credit Union is a federally insured credit union (NCUA charter #11067). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 4u Federal Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 4u Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gainesville

InstitutionScoreAssetsCapitalProblem loansCompare
Muenster State BankBank Muenster, TX98 out of 100, Very strong$227.0M14.8%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs