Alvin, Texas · Peer group 5
Chocolate Bayou Community Credit Union
Chocolate Bayou Community Credit Union holds $156.9M in assets across 11,827 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1962. Charter number 15143, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $156.9M |
|---|---|
| Total loans | $80.2M |
| Total shares (deposits) | $136.4M |
| Net worth | $20.2M |
| Members | 11,827 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.0% | |
|---|---|---|
| Loans | -5.7% | lower than 91% of its peer group |
| Deposits | 1.1% | around the 30th percentile of its peer group |
| Members | -2.2% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 58.8% | around the 25th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.8% | around the 68th percentile of its peer group |
| Return on assets | 1.20% | around the 79th percentile of its peer group |
| Delinquency ratio | 0.56% | around the 45th percentile of its peer group |
| Cash / assets | 8.5% | around the 36th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Chocolate Bayou Community Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Kerr County Credit Union
Kerrville, TX
$156.7M · 13,906 members
- River City Credit Union
San Antonio, TX
$153.4M · 11,716 members
- Communities of Abilene Credit Union
Abilene, TX
$161.7M · 11,003 members
- Naft Credit Union
Pharr, TX
$152.1M · 12,072 members
- 4U Credit Union
Gainesville, TX
$152.0M · 7,349 members
- Community Service Credit Union
Huntsville, TX
$162.9M · 11,379 members
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