Citizens
Citizens is a credit union based in Big Spring, Texas, established in 1955, with $205 million in total assets serving 10,679 members. By Trust Grade it ranks 23rd of 379 credit unions we track in Texas. Its net worth ratio of 14.0% is stronger than 81% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 1.59% return on assets. No consumer complaints against Citizens appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens compares to Texas peers
How we graded Citizens
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.0% capital ratio)
- Strongly profitable (ROA 1.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Citizens insured?
Yes. Citizens is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens: frequently asked questions
Is Citizens a good credit union?
Citizens earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Strongly profitable (ROA 1.59%).
Is Citizens NCUA-insured?
Yes. Citizens is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Citizens?
Citizens holds $205 million in total assets, ranking 23rd of 379 credit unions we track in Texas. It serves 10,679 members.
Does Citizens have CFPB complaints?
No CFPB complaints against Citizens appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
