Credit union · NCUA insured
Chocolate Bayou Community Federal Credit Union
Top CarrotA $156.9M credit union headquartered in Alvin, TX, with 11,827 members and 4 branches in Texas. Best rates: CDs 3.56% and savings 0.08% APY.
Chocolate Bayou Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#9 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chocolate Bayou Community Federal Credit Union
Founded in 1962, Chocolate Bayou Credit Union is a member-owned institution governed by a volunteer board of directors.
Headquartered in Alvin, Texas, the credit union serves over 12,000 members who live, work, or worship in Brazoria County.
It was started when seven employees of the Monsanto Chemical Company pooled their savings to lend to one another.
- Headquarters
- 1301 Highway 35 Byp N, Alvin, TX 77511-2681
- NCUA charter
- 15143
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Brazoria County are eligible for membership.
Employers and groups
- Employees of Monsanto Chemical Company, Conoco, and Alvin Community College have gained membership eligibility as service groups.
Branches
4 branches in Texas
Loading map…
Texas
4 branches
- AlvinMain office1301 Highway 35 Byp N, Alvin, TX 77511Directions
- Alvin High School802 S Johnson St, Alvin, TX 77511Directions
- Manvel High School19601 Highway 6, Manvel, TX 77578Directions
- Pearland10618 Crossroads Plaza Dr, Pearland, TX 77584Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.87% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $57 | $76 | — |
- CapitalNet worth ratio12.87%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$57Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Chocolate Bayou Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.