Credit unions · Texas · Q2 2026

Citizens FCU

Credit union in Big Spring, TX · NCUA charter #10170 · Federal charter

Legal name: Citizens

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$202M
Total loans & leases	$134M
Total shares & deposits	$174M
Members	10,900
Net worth	$29.5M
Net worth / assets	14.60%
Loans / assets	66.39%
Return on assets (annualized)	1.68%
Loan growth (YoY)	5.92%
Member growth (YoY)	3.18%
Delinquency, all loans (60+ days)	0.13%

Charter	Federal charter
Asset band	$50M–$250M
NCUA peer group	$100M–$500M
Sponsor type	Community

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-23. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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