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CITIZENS COMMUNITY

Fort Dodge, IA · State Credit Union · Chartered in IA

Well Capitalized

Who can join

State government employees (special charter)

Charter #66592Est. 1940RSSD: 329699

Members

13,995

Net Worth Ratio

18.74%

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

$253.6M

Peer Group 5

Members

13,995

as of latest quarter

Net Worth Ratio

18.74%

Well Capitalized

Institution Profile

NCUA

Address

2012 1st Ave S, Fort Dodge, IA 50501

Chartered

1940

Branch Locations

8 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$253.6M

Total Shares

$203.4M

Total Loans

$166.5M

Net Income

$1.1M

Net Worth Ratio

18.74%

≥7% = Well Capitalized

Members

13,995

Return on Assets

0.43%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.49%

$820K

Loan-to-share ratio: 81.9%· healthy range 60–80%

Branch Locations

NCUA

Citizens Community Credit Union

2012 1st Ave S, Fort Dodge, IA, 50501-6704

M-F 9-5

MainATMDrive-thru

Citizens Community Credit Union

403 E Call St, Algona, IA, 50511

M-F 9-5

Drive-thru

Citizens Community Credit Union

2 N 2nd St, Estherville, IA, 51334

M-F 9-5

Drive-thru

Citizens Community Credit Union

106 S Mill St, Lake Mills, IA, 50450

M-T-TH-F 7-3:30

Citizens Community Credit Union

1310 18th St Ste A, Spirit Lake, IA, 51360-1150

LobbyM-F 8:30-5:00Drive up M-F 8:30-5:00Saturday 9:00-12:00

Drive-thru

Citizens Community Credit Union

609 Flindt Dr, Storm Lake, IA, 50588

M-Th 9-5 F 9-6

ATMDrive-thru

Citizens Community Credit Union

115 S 29th St, Fort Dodge, IA, 50501

M-F 10-8 Sat 9-5 Sun 10-3

Citizens Community Credit Union

247 E Main St Ste B, Belmond, IA, 50421-1178

Lobby Hours M-F 9am-5pmDrive Up Hours M-F 8:30am-5pm

Drive-thru

Mortgage Lending (HMDA)

CFPB 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

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.