Credit union · NCUA insured
Four Points Federal Credit Union
A $184.2M credit union headquartered in Omaha, NE, with 9,231 members and 2 branches in Nebraska. Best rates: CDs 3.85% and savings 0.15% APY.
Four Points Federal Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#54 of 61 in Omaha, NE-IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Four Points Federal Credit Union
Four Points Federal Credit Union is based in Omaha, Nebraska, originally established in 1934 as the Farm Credit Administration Cooperative Credit Association before converting to a federal charter in 2005.
Now part of CommunityAmerica Credit Union, the credit union serves members across all 50 states.
- Headquarters
- 12240 L St, Ste 105, Omaha, NE 68137-2258
- NCUA charter
- 24753
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Consumers and residents anywhere in the United States can join through partnership with the American Consumer Council.
- Employees of Select Employee Groups can join Four Points Federal Credit Union.
Family and household
- Immediate family members (including spouses, children, siblings, parents, grandparents, and grandchildren) of employees of Select Employee Groups are eligible for membership.
Branches
2 branches in Nebraska
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Nebraska
2 branches
- Four Points Federal Credit UnionMain office12240 L St, Ste 105, Omaha, NE 68137Directions
- West Center2545 S 180th St, Omaha, NE 68130Directions
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
Significantly undercapitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 3.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -6.62% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio3.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-6.62%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 Four Points 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.