4u
4u is a credit union based in Gainesville, Texas, established in 1956, with $152 million in total assets serving 7,349 members. By Trust Grade it ranks 315th of 379 credit unions we track in Texas. Its net worth ratio of 9.1% trails most similarly sized credit unions (16th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.20% return on assets. No consumer complaints against 4u appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 4u compares to Texas peers
How we graded 4u
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.1% capital ratio)
- Profitable (ROA 0.20%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 4u over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at 4u insured?
Yes. 4u 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.
4u: frequently asked questions
Is 4u a good credit union?
4u earns a Bankzia Trust Grade of B (81/100, "Strong"), based on a financial-strength score of 81/100 (it has no CFPB complaints on record). Well-capitalized (9.1% capital ratio); Profitable (ROA 0.20%).
Is 4u NCUA-insured?
Yes. 4u 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 4u?
4u holds $152 million in total assets, ranking 315th of 379 credit unions we track in Texas. It serves 7,349 members.
Does 4u have CFPB complaints?
No CFPB complaints against 4u 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.
