4U Credit Union Profile

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4U

Charter #11067 | NCUA Region 2 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (940) 665-1797

Fax: (940) 665-7953

Founding Date: N/A

Website: http://www.4ucu.org

Personnel & Operations

President: Dieter, Mike

Manager: Wood, Don

FT Employees: 38

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 6

Hours: Lobby 9:00 am to 4:30 pm Drive Thru 8:00 a

Credit Union Profile Summary

4U is a FCU Credit Union. With a total of 8,240 members [1], this institution manages approximately $142,104,511 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.43% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.58% [1].

Financial Snapshot

Total Assets [1]
$142,104,511

Total economic resources.

Total Loans [1]
$108,160,998

Total value of outstanding loans.

Total Deposits [1]
$127,384,060

Total funds deposited by members.

Members [1]
8,240

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.43%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.12%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
84.91%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.92%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 8.58%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.09%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1312 Lawrence St

Gainesville, TX, 76240
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by 4U (Charter #11067).

Main Office

4U FCU Main Office

Type: Corporate Office

1312 Lawrence St

Gainesville, TX 76240

Phone: (940) 665-1797

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Lake Kiowa

Lake Kiowa Branch

Type: Branch Office

100 Kiowa Dr W Apt 104

Lake Kiowa, TX 76240-9507

Phone: (940) 665-1797

Services: Member Services, Drive-Thru

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Whitesboro

Whitesboro Branch

Type: Branch Office

418 N Union St

Whitesboro, TX 76273

Phone: (903) 564-6301

Services: Member Services, ATM, Drive-Thru

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