Charter 11067 · Gainesville, TX
4u Federal Credit Union
4u Federal Credit Union is a federally chartered credit union in Gainesville, Texas, with $156 million in assets and 7,463 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.91%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $156 million
- +9.9% in a year
- Members
- 7,463
- -9.4% in a year
- Net worth ratio
- 8.91%
- Peer median 11.65%
- Loans 60+ days late
- 0.04%
- Peer median 0.70%
- Loans outstanding
- $122 million
- +12.5% in a year
- Shares and deposits
- $141 million
- +10.4% in a year
- Branches
- 6
- 37 employees
- Opened
- 1956
- Federal charter
How 4u Federal Credit Union compares
NCUA groups credit unions by size; 4u Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.91% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.04%, is lower than the group median of 0.70%. Loans grew 12.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 120 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $156 million | 7,463 | $122 million | 8.91% | 0.04% |
| Q1 2026 | $152 million | 7,349 | $120 million | 9.09% | 0.02% |
| Q4 2025 | $148 million | 8,420 | $116 million | 9.31% | 0.20% |
| Q3 2025 | $145 million | 8,309 | $109 million | 9.36% | 0.12% |
| Q2 2025 | $142 million | 8,240 | $108 million | 9.43% | 0.07% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 198,074 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for 4u Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 4U FCU (main office)
1312 Lawrence St, Gainesville, TX 76240 - Lake Kiowa Branch
100 Kiowa Dr W Apt 104, Lake Kiowa, TX 76240 - Whitesboro Branch
418 N Union St, Whitesboro, TX 76273 - Sherman
1901S Heritage Pkwy, Sherman, TX 75092 - Collinsville Branch
100 E Woodland St, Collinsville, TX 76233
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology