4U vs WAVE
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
4U
Gainesville, TX
Health score
61.2
Total assets
$156.2M
Credit union
WAVE
WARWICK, RI
Health score
61.1
Total assets
$156.8M
Answer first
Different strengths, no blanket winner
4U leads on financial health and lending quality; WAVE leads on capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
4U
Higher TFS health score
Capitalization
WAVE
Higher comparable capital ratio
Profitability
WAVE
Higher return on assets
Lending quality
4U
Lower problem-loan measure
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | 4U | WAVE |
|---|---|---|
| TFS health score | 61.2/100Leads | 61.1/100 |
| Total assets | $156.2M | $156.8M |
| Total deposits / shares | $140.6M | $136.8M |
| Net worth ratio | 8.91% | 12.30%Leads |
| Return on assets | 0.23% | 0.47%Leads |
| Return on equity | 2.61% | 3.81%Leads |
| 60+ day delinquency | 0.04%Leads | 0.93% |
| Net charge-offs | 0.04%Leads | 0.08% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 86.53% | 58.42% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 5 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
4U
5 branches
WAVE
3 branches
No shared branch states were found in the current TFS branch dataset.
CFPB complaint coverage
4U
Unavailable
WAVE
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
4U
0 in TFS registry
WAVE
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | 4U score | 4U ROA | WAVE score | WAVE ROA |
|---|---|---|---|---|
| 2026-Q1 | 61.9/100 | 0.20% | 66.8/100 | 0.59% |
| 2026-Q2 | 61.2/100 | 0.23% | 61.1/100 | 0.47% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.