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Citizens Credit Union

Overview
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Citizens Credit Union is a federal credit union based in Big Spring, Texas. It has been opened since 1955, for 65 years.

With around $144,850,000 in assets, Citizens Credit Union is considered to be a large credit union. It has 5 branches and 3 ATM locations.

About
Address P.O. Box 425
Big Spring, Texas 79721
Website http://www.citizensfcu.com
Phone (432) 267-6373
Fax (432) 268-6120
CEO James T. Weaver
President of the Board John Marshall
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
7,305 members
Membership type: Unknown
Above average number of members
206:1
Credit union member to staff ratio
206 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$144,845,182
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
Citizens Credit Union Branch Locations

Citizens Credit Union: Loop 250
2609 W. Loop 250 North
Midland, Texas 79705
ATM Available
Citizens Credit Union: Big Spring
701 E. Fm 700
Big Spring, Texas 79720
ATM Available
Citizens Credit Union: Wall Street
2110 W. Wall Street
Midland, Texas 79701
ATM Available
Citizens Credit Union: Loop 250 Branch
2609 W. Loop 250 North
Midland, Texas 79705
No ATM
Citizens Credit Union: Lubbock Branch
3007 50th Street
Lubbock, Texas 79413
No ATM
Members
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7,305 members
Membership type: Unknown
Above average number of members

With 7,305 members, the Citizens Credit Union is considered to be a large credit union. It is larger than 65% of credit unions.

Fees
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$148
Average fee per member
The average fee per member at the Citizens Credit Union is $148, which is very high compared to most credit unions. This rate is higher than 96% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Citizens Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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206:1
Credit union member to staff ratio
206 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
36 staff members
FTE (full-time equivalent)
3% of employees are part-time
35 full-time, 1 part-time

Citizens Credit Union has 35 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Citizens Credit Union has around 206 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$144,845,182
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,233
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 66% of credit unions.

Citizens Credit Union holds a total of $30,970,000 in loans and leases, which is about $12,233 per member on average.

Savings interest rate
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Citizens Credit Union pays 0.25%.

Loan rates
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12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
9.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.24%
New car loan rate
Compared to 4.0% nationally
3.24%
Used car loan rate
Compared to 5.2% nationally
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Credit Card Loan Interest Rate
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