CITIZENS
Federal • Big Spring, Texas • Est. 1955
Quick Facts
- Charter Number
- #10170
- Type
- Federal
- Established
- 1955
- Headquarters
- Big Spring, Texas 79720
- Address
- 701 E FM 700
- Branches
- 6
- ATMs
- 4
- Members
- 10,679
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
10,679 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CITIZENS |
|---|---|
| Total Assets | $205.0M |
| Members | 10,679 |
| Loans Outstanding | $125.3M |
| Shares & Deposits | $177.4M |
| Net Worth | $28.6M |
| Net Worth Ratio | 13.96% |
| Loan-to-Share Ratio | 70.6% |
| Delinquency Rate | 0.21% |
| Net Income | +$812,736 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
6 locations · 4 ATMs
Big Spring
Main Office701 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 79705-3110
Lubbock Branch
3007 50th St
Lubbock, TX 79413
Who Can Join CITIZENS?
Membership Type: Community
Membership eligibility for CITIZENS may vary. Contact the credit union directly to confirm qualification requirements.
Contact CITIZENS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
CITIZENS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CITIZENS has 10,679 members and a potential membership field of 844,245 people.
CITIZENS's reported net worth ratio is 13.96% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CITIZENS operates 6 branch locations and has access to 4 ATMs. The main office is located at 701 E FM 700, Big Spring, TX 79720.
CITIZENS was established in 1955. It is a federal credit union chartered under charter number 10170. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CITIZENS. All financial data is for informational purposes only.