4u

Gainesville, TX · 1 · Charter #11067 · www.4ucu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$147.5M
72th percentile
Members
8,420
57th percentile
Total loans
$116.1M
84th percentile
Total shares
$132.5M
75th percentile

Profitability

Return on assets
0.80%
35th percentile
Net interest margin
3.11%
22th percentile
Efficiency ratio
62.04%
52th percentile
Non-interest income ratio
21.86%
73th percentile

Capital & Risk

Net worth ratio
9.31%
15th percentile
Delinquency rate
0.20%
87th percentile
Net charge-off rate
0.04%
92th percentile
Loan-to-share
87.62%
83th percentile

Growth

Member growth YoY
4.12%
91th percentile
Asset growth YoY
7.08%
76th percentile
Loan growth YoY
7.72%
80th percentile
Share growth YoY
6.90%
77th percentile

Operations

Members / branch
1,403
7th percentile
Assets / member
$17,522
73th percentile
Field of membership penetration
4.32%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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