CITIZENS
Big Spring, TX · Federal Credit Union · Chartered in TX
Who can join
Community / multiple bond
Members
10,679
Net Worth Ratio
13.96%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$205.0M
Peer Group 5
Members
10,679
as of latest quarter
Net Worth Ratio
13.96%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$205.0M
Total Shares
$177.4M
Total Loans
$125.3M
Net Income
$813K
Net Worth Ratio
13.96%
≥7% = Well Capitalized
Members
10,679
Return on Assets
0.40%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.09%
$115K
Loan-to-share ratio: 70.6%· healthy range 60–80%
Branch Locations
NCUABig Spring
701 E FM 700, Big Spring, TX, 79720
Lobby: M-F: 9am-5pm Drive Thru: M-F: 9am-5:30 Saturday: 10am-1pm
Loop 250
2609 W Loop 250 N, Midland, TX, 79705
Lobby: M-F: 9am-5:30pm Drive Thru: M-F: 9am-6pm Saturday: 10am-1pm
Wall Street
2110 W Wall St, Midland, TX, 79701
Lobby: M-F: 9am-5:30pm Drive Thru: M-F: 9am-6pm
Loop 250 Branch
2609 W Loop 250 N, Midland, TX, 79705-3110
Lubbock Branch
3007 50th St, Lubbock, TX, 79413
9:00AM - 5:00PM Monday - Friday
Abilene Branch
4702 S 14th St, Abilene, TX, 79605-4733
M-F 9am - 4pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/citizens" target="_blank" rel="noopener">View CITIZENS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.