TellerScore

Chocolate Bayou Community Federal Credit Union (NCUA charter #15143) is based in Alvin, Texas. Its Q2 2026 call report shows $158.1M in total assets and $136.7M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Chocolate Bayou Community Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 146th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 6% uninsured), and its lowest is earnings (53/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.87%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.77%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity100/100
Loans ÷ shares: 57.0% · 6.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.08%

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 3 points (80 → 77), mostly because the loan quality component weakened by 10 points.

TellerScore
757982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202480
Q1 202582
Q2 202580
Q3 202579
Q4 202575
Q1 202682
Q2 202677
Net worth ratio
7.00%10.13%13.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.26%
Q3 202412.48%
Q4 202412.77%
Q1 202512.59%
Q2 202512.93%
Q3 202513.27%
Q4 202512.63%
Q1 202612.85%
Q2 202612.87%
Delinquent loans (60+ days)
0.20%0.49%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.49%
Q4 20240.46%
Q1 20250.20%
Q2 20250.47%
Q3 20250.78%
Q4 20250.61%
Q1 20260.56%
Q2 20260.77%
Return on assets
0.44%0.82%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.01%
Q4 20240.98%
Q1 20250.89%
Q2 20250.85%
Q3 20250.92%
Q4 20250.44%
Q1 20261.20%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$158.1M12.87%0.77%0.82%57.0%
Q1 202682$156.9M12.85%0.56%1.20%58.8%
Q4 202575$156.0M12.63%0.61%0.44%60.3%
Q3 202579$151.1M13.27%0.78%0.92%63.8%
Q2 202580$152.0M12.93%0.47%0.85%64.1%
Q1 202582$153.9M12.59%0.20%0.89%63.0%
Q4 202480$148.9M12.77%0.46%0.98%66.2%
Q3 202479$149.8M12.48%0.49%1.01%65.4%
Q2 202478$149.8M12.26%0.60%1.07%65.3%

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 ratio12.87%
68th
Problem loans0.77%
43rd
Net charge-offs0.29%
58th
Return on assets0.82%
56th
Loans to deposits57.0%
82nd
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio3.1%
61st

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
4u Federal Credit UnionCredit union Gainesville, TX63 out of 100, Moderate$156.2M8.9%0.04%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 Chocolate Bayou Community Federal Credit Union?

Yes. Chocolate Bayou Community Federal Credit Union is a federally insured credit union (NCUA charter #15143). 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 6.2% of shares and deposits ($8.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Chocolate Bayou Community Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chocolate Bayou Community Federal Credit Union reported 68 home-loan applications under HMDA (LEI 549300VEIFZEX6HJVA94): 24 originated ($2,340,000 total), 31 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 54.4%, 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
Chocolate Bayou Community Federal Credit Union
Type
Federal credit union
NCUA charter #
15143
RSSD ID
262684
Primary regulator
NCUA
Established
1962
Headquarters
P.O. Box 1694, Alvin, TX 77512
Employees
47

Quick answers

Chocolate Bayou Community Federal Credit Union: common questions

Is Chocolate Bayou Community Federal Credit Union NCUA insured?

Yes. Chocolate Bayou Community Federal Credit Union is a federally insured credit union (NCUA charter #15143). 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 Chocolate Bayou Community Federal Credit Union's TellerScore?

77 out of 100 (Strong), 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 Chocolate Bayou Community Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alvin

InstitutionScoreAssetsCapitalProblem loansCompare
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
P.I.E. Credit UnionCredit union Houston, TX88 out of 100, Very strong$11.8M23.9%0.71%vs
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Houston Texas Fire Fighters Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$401.3M14.0%0.38%vs