CU Explorer
Credit unions · Texas · Q2 2026

Chocolate Bayou Community FCU

Credit union in Alvin, TX · NCUA charter #15143 · Federal charter

Legal name: Chocolate Bayou Community

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$158M
Total loans & leases$77.9M
Total shares & deposits$137M
Members10,980
Net worth$20.4M
Net worth / assets12.87%
Loans / assets49.26%
Return on assets (annualized)0.82%
Loan growth (YoY)−8.54%
Member growth (YoY)−6.44%
Delinquency, all loans (60+ days)0.77%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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