Citizens Federal Credit Union Big Spring, Texas
Citizens Federal Credit Union is a federal credit union headquartered in Big Spring, TX, established in 1955 (NCUA charter 10170), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,902 members and total assets of $201.9M (down 3.5% from Q2 2025), the 104th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 14.60% at Q2 2026, in the well capitalized band.
Also written as Citizens FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10170
- Headquarters
- Big Spring, TX
- Established
- 1955
- Total assets, Q2 2026
- $201.9M
- Assets vs Q2 2025
- -3.5%
- Members, Q2 2026
- 10,902
- Net worth ratio, Q2 2026
- 14.60%
- Latest call report
- Q2 2026, NCUA 5300 · Citizens Federal Credit Union call report
- Asset rank in state
- 104th of 377 in Texas
- Routing number
- 311390140
- Branches
- 6
It has 336 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 2.11 percentage points from 12.49% on June 30, 2025. Used vehicle loans are its largest loan category, $72.7M of $134.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.60% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Frequently asked about Citizens Federal Credit Union
How big is Citizens Federal Credit Union?
At Q2 2026 it reported total assets of $201.9M and 10,902 members.
Where is Citizens Federal Credit Union headquartered?
It is headquartered in Big Spring, TX, United States.
When was Citizens Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Citizens Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10170): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Citizens Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Citizens Federal Credit Union well capitalized?
Its net worth ratio was 14.60% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Citizens Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Citizens Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Big Spring, TX 79720
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10170
- RSSD ID
- 163482
- Members
- 10,902
- Potential members
- 844,245
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.60% | 11.43% | 81st top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.74% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.92% | 7.02% | 86th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.24% | 3.70% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 54.32% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.45% | 1.24% | 34th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.13% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.69% | 4.92% | 35th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.16% | 75.66% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$201.9M total assets against $209.3M; $173.8M total shares and deposits against $184.3M; $134.1M total loans against $126.6M.
$29.5M net worth against $26.2M.
14.60% net worth ratio against 12.49%.
77.16% loan-to-share ratio against 68.67%.
0.13% delinquency ratio against 0.33%.
1.74% return on assets against 1.55%; 11.92% return on equity against 12.37%.
3.24% net interest margin against 3.16%.
10,902 members against 10,566.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.60% | 1.74% | 0.13% | 77.16% |
| March 31, 2026 | 13.96% | 1.59% | 0.21% | 70.62% |
| December 31, 2025 | 13.01% | 1.59% | 0.23% | 67.32% |
| September 30, 2025 | 12.95% | 1.53% | 0.27% | 69.55% |
| June 30, 2025 | 12.49% | 1.55% | 0.33% | 68.67% |
| March 31, 2025 | 12.10% | 1.52% | 0.28% | 68.22% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.