Credit union · NCUA insured
Citizens Federal Credit Union
A $205M credit union headquartered in Big Spring, TX, with 10,679 members and 5 branches in Texas.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Citizens Federal Credit Union
- Headquarters
- 701 E FM 700, Big Spring, TX 79720
- NCUA charter
- 10170
Branches
5 branches in Texas
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Texas
5 branches
Midland area · 2
- Loop 2502609 W Loop 250 N, Midland, TX 79705Directions
- Wall Street2110 W Wall St, Midland, TX 79701Directions
Big Spring area · 1
- Big SpringMain office701 E FM-700, Big Spring, TX 79720Directions
Abilene area · 1
- Abilene Branch4702 S 14th St, Abilene, TX 79605Directions
Lubbock area · 1
- Lubbock Branch3007 50th St, Lubbock, TX 79413Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.63% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio14.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.63%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ 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 Citizens 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.