TellerScore

Citizens Federal Credit Union is a federal credit union headquartered in Big Spring, Texas, in business for about 71 years. At the end of Q2 2026 it reported $201.9M in total assets and $173.8M in member shares and deposits, with 6 offices.

Citizens Federal Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 39th. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (66/100, 77% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.60%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity66/100
Loans ÷ shares: 77.2% · 30.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (81 → 90), mostly because the capital cushion component improved by 21 points.

TellerScore
758390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202479
Q1 202581
Q2 202581
Q3 202583
Q4 202584
Q1 202687
Q2 202690
Net worth ratio
7.00%10.80%14.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202410.81%
Q4 202411.76%
Q1 202512.10%
Q2 202512.49%
Q3 202512.95%
Q4 202513.01%
Q1 202613.96%
Q2 202614.60%
Delinquent loans (60+ days)
0.13%0.26%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.39%
Q4 20240.32%
Q1 20250.28%
Q2 20250.33%
Q3 20250.27%
Q4 20250.23%
Q1 20260.21%
Q2 20260.13%
Return on assets
1.37%1.52%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.52%
Q4 20241.61%
Q1 20251.52%
Q2 20251.53%
Q3 20251.54%
Q4 20251.52%
Q1 20261.59%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$201.9M14.60%0.13%1.68%77.2%
Q1 202687$205.0M13.96%0.21%1.59%70.6%
Q4 202584$213.7M13.01%0.23%1.52%67.3%
Q3 202583$208.0M12.95%0.27%1.54%69.6%
Q2 202581$209.3M12.49%0.33%1.53%68.7%
Q1 202581$209.5M12.10%0.28%1.52%68.2%
Q4 202479$208.8M11.76%0.32%1.61%67.6%
Q3 202476$219.2M10.81%0.39%1.52%63.2%
Q2 202475$207.0M10.93%0.36%1.37%64.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.60%
83rd
Problem loans0.13%
94th
Net charge-offs0.39%
46th
Return on assets1.68%
93rd
Loans to deposits77.2%
46th
Uninsured deposits30.3%
0th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Membersource Credit UnionCredit union Houston, TX70 out of 100, Strong$196.5M12.4%0.40%vs
Access Community Credit UnionCredit union Amarillo, TX66 out of 100, Moderate$210.9M10.6%0.27%vs
First Central Credit UnionCredit union Waco, TX76 out of 100, Strong$191.7M16.4%1.95%vs
Priority Trust Credit UnionCredit union Houston, TX60 out of 100, Moderate$191.4M9.4%0.39%vs
Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX88 out of 100, Very strong$212.9M16.3%0.06%vs
Kelly Community Federal Credit UnionCredit union Tyler, TX75 out of 100, Strong$189.4M12.6%0.82%vs

Deposit insurance

Is my money safe at Citizens Federal Credit Union?

Yes. Citizens Federal Credit Union is a federally insured credit union (NCUA charter #10170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 30.3% of shares and deposits ($52.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Citizens Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Federal Credit Union
Type
Federal credit union
NCUA charter #
10170
RSSD ID
163482
Primary regulator
NCUA
Established
1955
Headquarters
P.O. Box 425, Big Spring, TX 79721
Employees
34

Quick answers

Citizens Federal Credit Union: common questions

Is Citizens Federal Credit Union NCUA insured?

Yes. Citizens Federal Credit Union is a federally insured credit union (NCUA charter #10170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Citizens Federal Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Citizens Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Big Spring

InstitutionScoreAssetsCapitalProblem loansCompare
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs