Sep, 30, 2025 — 4U FEDERAL CREDIT UNION is a federal credit union headquartered in GAINESVILLE, TX with 6 branch locations and about $144.55 million in total assets. Opened 70 years ago in 1956, 4U FEDERAL CREDIT UNION has about 8,309 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 4U FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1312 Lawrence St GAINESVILLE, TX 76240 |
| Phone: | (940) 665-1797 |
| Fax: | (940) 665-7953 |
| Website: | https://www.4ucu.org |
| Branches: | 6 branch locations |
| Members: | 8,309 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11067 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $144,547,211 |
| CEO/Manager: | Don S Wood |
| Chairperson: | Mike Dieter |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 11,157,494 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 42,985,127 |
| Unsecured Loans | 2,796,784 |
| Other Loans | 57,272,080 |
| TOTAL LOANS | 109,365,905 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -162,301 |
| Land And Building | 4,646,072 |
| Other Fixed Assets | 688,170 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,059,107 |
| All Other Assets | 6,374 |
| TOTAL ASSETS | 144,547,211 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 219,751 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,214,260 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 26,379,501 |
| Regular shares | 52,027,914 |
| All Other Shares & Deposits | 51,195,650 |
| TOTAL SHARES & DEPOSITS | 129,603,065 |
| TOTAL LIABILITIES | 131,037,076 |
| Regular Reserve | 0 |
| Other Reserves | 308,376 |
| Undivided Earnings | 13,201,759 |
| TOTAL EQUITY | 13,510,135 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 144,547,211 |
| INCOME & EXPENSE | |
| Loan Income | 4,306,139 |
| Investment Income | 595,193 |
| Other Income | 834,072 |
| Total Employee Compensation & Benefits | 1,852,401 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,110,981 |
| Non-operating Income & (Expense) | -550 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 26,858 |
| Cost of Funds | 1,517,891 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 913,725 |
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