A
Chocolate Bayou Community Federal Credit Union
Alvin,  TX
Rating Date
July 2025
Net Capital
Ratio
12.93
Leverage
Ratio
12.93
Return On
Assets
0.85%
Total
Assets
152.02M
Capital
18.63M
Total
Deposits
132.87M
Net
Income
643.00K
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Weiss Ratings Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Rating A
Asset Quality Index 9.90
Capitalization Index 10.00
Liquidity Index 5.00
Profitability Index 7.60
Stability Index 8.20
Company Info Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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NCUA Charter Number 2882
Phone Number (281) 331-2253
Website www.chocolatebayou.org
Asset Quality Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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1-Year Asset Growth 1.50%
5-Year Asset Growth 4.06%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.00%
Non-Performing Loans to Loans 0.20%
Balance Sheet Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Total Assets 152.02M
Total Deposits 132.87M
Capital and Reserves Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Capital 18.63M
Leverage Ratio 12.93
Loan Loss Reserves to Loans 0.24%
Liquidity Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Hot Money Ratio 4.09%
Liquidity Ratio 29.18%
Profitability Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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5-Year Return on Average Assets 0.88%
Net Income 643.00K
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.09%
Overhead Efficiency Ratio 81.33%
Return on Assets 0.85%
Return on Equity 7.03%