CITIZENS Credit Union Profile

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CITIZENS

Charter #10170 | NCUA Region 2 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (432) 267-6373

Fax: (432) 268-6120

Founding Date: N/A

Website: http://www.citizensfcu.com

Personnel & Operations

President: Williams, Leslie

Manager: Wooten, Brandon

FT Employees: 33

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 6

Hours: Lobby: M-F: 9am-5pm Drive Thru: M-F: 9am

Credit Union Profile Summary

CITIZENS is a FCU Credit Union. With a total of 10,566 members [1], this institution manages approximately $209,305,073 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.49% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.62% [1].

Financial Snapshot

Total Assets [1]
$209,305,073

Total economic resources.

Total Loans [1]
$126,573,252

Total value of outstanding loans.

Total Deposits [1]
$184,322,192

Total funds deposited by members.

Members [1]
10,566

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.49%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.53%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
68.67%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.13%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 4.62%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.14%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

701 E FM 700

Big Spring, TX, 79720
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by CITIZENS (Charter #10170).

Main Office

Big Spring Main Office

Type: Corporate Office

701 E FM 700

Big Spring, TX 79720

Phone: (432) 267-6373

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Lubbock

Lubbock Branch

Type: Branch Office

3007 50th St

Lubbock, TX 79413

Phone: (432) 686-1200

Services: Member Services, Drive-Thru

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Midland

Loop 250

Type: Branch Office

2609 W Loop 250 N

Midland, TX 79705

Phone: (432) 686-1200

Services: Member Services, ATM, Drive-Thru

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Loop 250 Branch

Type: Branch Office

2609 W Loop 250 N

Midland, TX 79705-3110

Phone: (432) 686-1200

Services: None specified

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Wall Street

Type: Branch Office

2110 W Wall St

Midland, TX 79701

Phone: (432) 686-1200

Services: Member Services, ATM, Drive-Thru

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