Big Spring, Texas · Peer group 5
Citizens Credit Union
Citizens Credit Union holds $205.0M in assets across 10,679 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1955. Charter number 10170, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $205.0M |
|---|---|
| Total loans | $125.3M |
| Total shares (deposits) | $177.4M |
| Net worth | $28.6M |
| Members | 10,679 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.1% | |
|---|---|---|
| Loans | -1.2% | around the 29th percentile of its peer group |
| Deposits | -4.6% | lower than 96% of its peer group |
| Members | 0.9% | around the 65th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 70.6% | around the 48th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 79th percentile of its peer group |
| Return on assets | 1.59% | higher than 91% of its peer group |
| Delinquency ratio | 0.21% | around the 14th percentile of its peer group |
| Cash / assets | 23.7% | higher than 96% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Citizens Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Membersource Credit Union
Houston, TX
$205.4M · 14,907 members
- Access Community Credit Union
Amarillo, TX
$206.5M · 13,435 members
- Beacon Credit Union
La Porte, TX
$209.1M · 14,204 members
- Members Choice of Central Texas Credit Union
WACO, TX
$213.3M · 18,295 members
- Priority Trust Credit Union
Houston, TX
$192.4M · 28,089 members
- H E B Credit Union
San Antonio, TX
$218.1M · 12,144 members
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