Chocolate Bayou Community
Chocolate Bayou Community is a credit union based in Alvin, Texas, established in 1962, with $157 million in total assets serving 11,827 members. By Trust Grade it ranks 36th of 379 credit unions we track in Texas. Its net worth ratio of 12.8% is stronger than 70% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 1.20% return on assets. No consumer complaints against Chocolate Bayou Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Chocolate Bayou Community compares to Texas peers
How we graded Chocolate Bayou Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.8% capital ratio)
- Strongly profitable (ROA 1.20%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Chocolate Bayou Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Chocolate Bayou Community insured?
Yes. Chocolate Bayou Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Chocolate Bayou Community: frequently asked questions
Is Chocolate Bayou Community a good credit union?
Chocolate Bayou Community earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.8% capital ratio); Strongly profitable (ROA 1.20%).
Is Chocolate Bayou Community NCUA-insured?
Yes. Chocolate Bayou Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Chocolate Bayou Community?
Chocolate Bayou Community holds $157 million in total assets, ranking 36th of 379 credit unions we track in Texas. It serves 11,827 members.
Does Chocolate Bayou Community have CFPB complaints?
No CFPB complaints against Chocolate Bayou Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
