A
Chocolate Bayou Community Federal Credit Union
Alvin,  TX
Rating Date
December 2025
Net Capital
Ratio
13.27
Leverage
Ratio
13.27
Return On
Assets
0.92%
Total
Assets
151.14M
Capital
19.05M
Total
Deposits
131.27M
Net
Income
1.05M
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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 9.00
Capitalization Index 10.00
Liquidity Index 4.90
Profitability Index 7.30
Stability Index 8.40
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 0.89%
5-Year Asset Growth 4.06%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 3.54%
Non-Performing Loans to Loans 0.78%
Balance Sheet Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Total Assets 151.14M
Total Deposits 131.27M
Capital and Reserves Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Capital 19.05M
Leverage Ratio 13.27
Loan Loss Reserves to Loans 0.21%
Liquidity Chocolate Bayou Community Federal Credit Union
Alvin, TX 		Click to
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Hot Money Ratio 5.35%
Liquidity Ratio 29.92%
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 1.05M
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 81.68%
Return on Assets 0.92%
Return on Equity 7.55%