Federal credit union · Big Spring, Texas · NCUA charter #10170
CITIZENS
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $213.7M
- Total assets
- 10,664
- Members
- 14.0%
- Net-worth ratio
CITIZENS scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $213.7M; members 10,664; net-worth ratio 13.96%; health rank #350 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#350 of 4,374 health · 2025Q4CITIZENS · health 95/100 · $213.7M · 2025Q4
Call Report peers
CITIZENS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CITIZENS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CITIZENS sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CITIZENS: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.85 pp (13.96% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 67.32% vs peer 72.20% (-4.88 pp).
Where CITIZENS sits in Texas
- Texas health ordinal: #31 of 386.
- Assets rank #103 of 386 inside Texas ($213.7M reported).
- Member book place in Texas: #126 of 386.
- One place up in Texas, Houston Police (#30) ties at 95/100; one place down, Goodyear San Angelo (#32) ties at 95/100.
CITIZENS: 2025Q4 → 2026Q1
CITIZENS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.0% from $213.7M (2025Q4) to $205.0M (2026Q1).
- Net-worth ratio shifted +0.95 pp (13.01% → 13.96%).
This credit union's 13.96% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
CITIZENS gives up 5 points in total. Member Growth costs the most, 4.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for CITIZENS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.96% | +1.85 pp |
| Delinquency Rate | 0.23% | -0.67 pp |
| Return on Assets | 1.57% | +0.95 pp |
| Member Growth | 1.58% | - |
| Loan-to-Share Ratio | 67.32% | -4.88 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $205.0M | - |
| 2025Q4 | $213.7M | 10,664 |
| 2024Q4 | $208.8M | 10,498 |
| 2023Q4 | $190.5M | 9,916 |
Credit Union Details
- Charter Number
- 10170
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Big Spring
- Data Quarter
- 2025Q4
Branch Locations (6)
CITIZENS operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Big Spring (Main Office) | Big Spring, TX |
| Abilene Branch | Abilene, TX |
| Lubbock Branch | Lubbock, TX |
| Loop 250 | Midland, TX |
| Wall Street | Midland, TX |
| Loop 250 Branch | Midland, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for CITIZENS
Similar total assets
Similar health score
Using this data
- CITIZENS ranks #350 of 4,374 nationally on financial health and #31 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Choice of Central Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Choice of Central Texas
Frequently Asked Questions
Is CITIZENS financially healthy?
CITIZENS has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #350 of 4,374 nationally on health and #31 of 386 in Texas. Its net worth ratio is 13.96% and its delinquency rate 0.23%.
How does CITIZENS compare to other credit unions?
CITIZENS scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.96% vs 12.11%). Its widest shortfall is loan-to-share ratio (67.32% vs 72.20%).
How can I join CITIZENS?
CITIZENS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CITIZENS directly for the exact boundaries and application steps.
Is my money safe at CITIZENS?
CITIZENS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CITIZENS's net worth ratio of 13.96% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.