Sep, 30, 2025 — CITIZENS FEDERAL CREDIT UNION is a federal credit union headquartered in BIG SPRING, TX with 6 branch locations and about $208.05 million in total assets. Opened 71 years ago in 1955, CITIZENS FEDERAL CREDIT UNION has about 10,580 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CITIZENS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 701 E FM 700 BIG SPRING, TX 79720 |
| Phone: | (432) 267-6373 |
| Fax: | (432) 268-6120 |
| Website: | https://www.citizensfcu.com |
| Branches: | 6 branch locations |
| Members: | 10,580 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10170 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $208,047,583 |
| CEO/Manager: | Brandon Wooten |
| Chairperson: | Leslie Williams |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 46,196,111 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 2,542,045 |
| Other Loans | 124,007,833 |
| TOTAL LOANS | 126,549,878 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -578,208 |
| Land And Building | 1,746,624 |
| Other Fixed Assets | 1,039,107 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,207,266 |
| All Other Assets | 161,426 |
| TOTAL ASSETS | 208,047,583 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 38,836 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,070,289 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 52,103,546 |
| Regular shares | 52,948,784 |
| All Other Shares & Deposits | 76,899,154 |
| TOTAL SHARES & DEPOSITS | 181,951,484 |
| TOTAL LIABILITIES | 183,060,609 |
| Regular Reserve | 0 |
| Other Reserves | -1,960,682 |
| Undivided Earnings | 26,947,656 |
| TOTAL EQUITY | 24,986,974 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 208,047,583 |
| INCOME & EXPENSE | |
| Loan Income | 5,139,110 |
| Investment Income | 2,508,266 |
| Other Income | 819,644 |
| Total Employee Compensation & Benefits | 1,833,531 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,459,459 |
| Non-operating Income & (Expense) | 98,705 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 517,760 |
| Cost of Funds | 2,612,496 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,397,555 |
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