Charter 10170 · Big Spring, TX
Citizens Federal Credit Union
Citizens Federal Credit Union is a federally chartered credit union in Big Spring, Texas, with $202 million in assets and 10,902 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.60%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $202 million
- -3.5% in a year
- Members
- 10,902
- +3.2% in a year
- Net worth ratio
- 14.60%
- Peer median 11.65%
- Loans 60+ days late
- 0.13%
- Peer median 0.70%
- Loans outstanding
- $134 million
- +5.9% in a year
- Shares and deposits
- $174 million
- -5.7% in a year
- Branches
- 6
- 34 employees
- Opened
- 1955
- Federal charter
How Citizens Federal Credit Union compares
NCUA groups credit unions by size; Citizens Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.60% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.13%, is lower than the group median of 0.70%. Loans grew 5.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 104 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $202 million | 10,902 | $134 million | 14.60% | 0.13% |
| Q1 2026 | $205 million | 10,679 | $125 million | 13.96% | 0.21% |
| Q4 2025 | $214 million | 10,664 | $126 million | 13.01% | 0.23% |
| Q3 2025 | $208 million | 10,580 | $127 million | 12.95% | 0.27% |
| Q2 2025 | $209 million | 10,566 | $127 million | 12.49% | 0.33% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 844,245 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Citizens Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Big Spring (main office)
701 E Fm 700, Big Spring, TX 79720 - Loop 250
2609 W Loop 250 N, Midland, TX 79705 - Wall Street
2110 W Wall St, Midland, TX 79701 - Loop 250 Branch
2609 W Loop 250 N, Midland, TX 79705 - Lubbock Branch
3007 50Th St, Lubbock, TX 79413 - Abilene Branch
4702 S 14Th St, Abilene, TX 79605
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology