# 4U
Gainesville, TX · NCUA charter 11067 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/4u-11067

Who the members are: federal charter, community charter, organized 1956. 7,349 members of 198,074 potential (3.7% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $152.0M |
| Members | 7,349 (-10.0% YoY) |
| Full-time staff | 36 |
| Net worth | $13.8M |
| Net worth ratio | 9.1% (p15 of band) |
| ROA (annualized) | 0.20% (p18 of band) |
| Total delinquency | 0.02% (p2 of band) |
| Net charge-offs (annualized) | -0.02% (p4 of band) |
| Loans / shares | 88% (p87 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p20 of band) |
| Operating expense / assets | 3.76% (p54 of band) |
| Vehicles % of loans | 44% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 145% (p77 of band) |
| Vehicle delinquency | 0.04% (p9 of band) |
| Vehicle NCO | 0.05% (p19 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 34% |
| Average share balance | $10,341 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $31,709 |
| Loans granted, annualized | $55.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 1 |  | 3rd-party paper>100% NW |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | thin capital | assets shrinking |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | thin capital, net worth falling |
| 2024-09 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | thin capital |  |
| 2025-06 | 1 |  | delinquency rising, thin capital |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | net worth falling, delinquency rising |  |
| 2026-03 | 3 | members leaving | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-29 [Texoma Now with Kaitlyn Watt and Amanda Riley President/COO of 4U Credit Union 2 - KXII](https://news.google.com/rss/articles/CBMisAFBVV95cUxQTE9pSnlidFlORDNMX1VGVnR6MzFpczNtQUJIUUZQRmg2RXBOZE5TMHhQb05fdC1ZYk4zbGRBLWxfYkxYS0psMlBfQllITElrYk1ZTzhaTlpSdzd0MS1ldVItV011WUhlZEYtTlBra3E1NzlkS2MwTFF2T1NLSmhOdnB3elBtTG1uR29kWF84eFE2a0ZnTTJjMXdld2dPdGdCX0d4Y0lSRVBEMktoLXNpWQ?oc=5) · KXII
- 2018-05-15 [Questlove is curating a huge Prince orchestral tribute tour - thefader.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNemI2bWd6cFBYVWQ2WE45a3o0TElTNzNCRDNianZsYjlfLUFGSjNtT2txSEd0T0VwMy1hZ3psbEFtYXd6NHFmQ3dIeVBVenBxbmlZY3BqOUEwNXc3bFA2WGk0R0g5em9fLUhhVW81aENHOXRpS2pYc2xFZmQ0WnE4bXl5TDVTTGFXR2tnbXEwNEx3WkRHbUswTzBCNXpfWkpkUllYbzJB?oc=5) · thefader.com
- 2024-06-14 [TMC Medical Minutes- Broken Bones and Lacerations - KXII](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcEJBdGRDcGhUaHhiQUl5UVM3WXhGNW0zbzUwMTJMM00yNGVueFRmNFIyYzY2MmZQQm9aM1ZsT3VNT2M3SXctd2xrVmczVHZmVml3U0p5UjhUR0pDMzUxWEFYZF9JQVRqeGhXU00ydnVNd1VoaFhSVVhPQlIzdVRTeXB4Z9IBlwFBVV95cUxOSTIzNUhpMUxsRURQaG1LVEpkbVBoUzNrc3dwcndNLXNjS1QtYXd0bzR3YTNrOFhTNm8weGYtd2M3WEVlWWdNTWtHTG1zaWNScTVob2FJSHpJRmVqSzE5NllSdkhHbTFuRjFJcUVlelBHN29IVzVFV29GMTNaM0JJOFZuaXp4dVJzSFhjVWVRSldVZm9pMzMw?oc=5) · KXII
- 2020-07-15 [Democrat MJ Hegar wins Senate nomination in Texas - KXII](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUU1aX0ZSbS0yOWZCZFo2d2lBMVR5ckx3N1NqTFJ6aVJxcXI2RVpsQXQ1OFJ4Tk05Uk9ndVBlM3c4LUtGOXREVWpHU2ZZTUhLUHFwSHJ6Q0J3bFV4alI1Q2NUUUctczdtR1VVN2dpVldyQWk0N2RYUXI2RHdZWlhJaFE0bjRSeU5femfSAZ4BQVVfeXFMTjFwa0k4UkUya0p0QnhDVEJ6NlBFN3hha0cyMnB5NW43anJHMUdsbDRqUVgwaWdSYVZtbV9wNEtmcGFVT0UyUzVVLTQ1d014aGxBQlFjR1k5OXoyN0MwU1Q5RzllaGViWlpXUlFSMHppdWM4VjlPV1J6d0hmTVI3NFVzeEYyN3c3c1RFdHoxWnlMSXY4M2JwQkZvdmJRVUE?oc=5) · KXII

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11067 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "11067", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11067
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide