Chocolate Bayou Community Federal Credit Union

Alvin, TX

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Chocolate Bayou Community Federal Credit Union Alvin, TX	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	9.90
Capitalization Index	10.00
Liquidity Index	4.90
Profitability Index	6.80
Stability Index	8.20

Company Info	Chocolate Bayou Community Federal Credit Union Alvin, TX	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
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	2.17%
Non-Performing Loans to Loans	0.47%

Balance Sheet	Chocolate Bayou Community Federal Credit Union Alvin, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	152.02M
Total Deposits	132.87M

Capital and Reserves	Chocolate Bayou Community Federal Credit Union Alvin, TX	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
Hot Money Ratio	1.69%
Liquidity Ratio	28.74%

Profitability	Chocolate Bayou Community Federal Credit Union Alvin, TX	Click to Compare	Click to Compare	Click to Compare
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	81.15%
Return on Assets	0.85%
Return on Equity	7.03%