CITIZENS
Federal • Big Spring, Texas • Est. 1955
Quick Facts
- Charter Number
- #10170
- Type
- Federal
- Established
- 1955
- Headquarters
- Big Spring, Texas 79721
- Address
- P.O. Box 425
- Branches
- 6
- ATMs
- 4
- Members
- 10,664
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,664 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CITIZENS |
|---|---|
| Total Assets | $213.7M |
| Members | 10,664 |
| Loans Outstanding | $125.6M |
| Shares & Deposits | $186.6M |
| Net Worth | $27.8M |
| Net Worth Ratio | 13.01% |
| Loan-to-Share Ratio | 67.3% |
| Delinquency Rate | 0.23% |
| Net Income | +$3,947,224 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Texas RankingsFrequently Asked Questions
Yes. CITIZENS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CITIZENS has 10,664 members and a potential membership field of 844,245 people.
CITIZENS's net worth ratio is 13.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.0%, CITIZENS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CITIZENS. All financial data is for informational purposes only.