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
- 8,420
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
8,420 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 4U |
|---|---|
| Total Assets | $147.5M |
| Members | 8,420 |
| Loans Outstanding | $116.1M |
| Shares & Deposits | $132.5M |
| Net Worth | $13.7M |
| Net Worth Ratio | 9.31% |
| Loan-to-Share Ratio | 87.6% |
| Delinquency Rate | 0.20% |
| Net Income | +$1,187,187 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Texas RankingsFrequently Asked Questions
Yes. 4U is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 4U has 8,420 members and a potential membership field of 194,790 people.
4U's net worth ratio is 9.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.3%, 4U meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 4U. All financial data is for informational purposes only.