4U
Federal • Gainesville, Texas • Est. 1956
Quick Facts
- Charter Number
- #11067
- Type
- Federal
- Established
- 1956
- Headquarters
- Gainesville, Texas 76240
- Address
- 1312 Lawrence St
- Branches
- 5
- ATMs
- 4
- Members
- 7,349
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
7,349 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 4U |
|---|---|
| Total Assets | $152.0M |
| Members | 7,349 |
| Loans Outstanding | $120.5M |
| Shares & Deposits | $136.8M |
| Net Worth | $13.8M |
| Net Worth Ratio | 9.09% |
| Loan-to-Share Ratio | 88.1% |
| Delinquency Rate | 0.02% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
5 locations · 4 ATMs
4U FCU
Main Office1312 Lawrence St
Gainesville, TX 76240
Lake Kiowa Branch
100 Kiowa Dr W Apt 104
Lake Kiowa, TX 76240-9507
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
Who Can Join 4U?
Membership Type: Other/Unknown
Membership eligibility for 4U may vary. Contact the credit union directly to confirm qualification requirements.
Contact 4U directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
4U is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, 4U has 7,349 members and a potential membership field of 198,074 people.
4U's reported net worth ratio is 9.09% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
4U operates 5 branch locations and has access to 4 ATMs. The main office is located at 1312 Lawrence St, Gainesville, TX 76240.
4U was established in 1956. It is a federal credit union chartered under charter number 11067. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or 4U. All financial data is for informational purposes only.