credit union · NCUA 10170 · TX
How big is CITIZENS?
CITIZENS (TX, NCUA charter 10170) reported total assets of $201.9M, 10,902 members and a net worth ratio of 14.60% in its Call Report for 2026Q2. That ranks 1279 of 4,299 federally insured credit unions by assets, 520 of 1,061 among credit unions with $100m-$500m in assets, 104 of 380 credit unions in texas.
What stands out
CITIZENS (TX, NCUA charter 10170) reported total assets of $201.9M, 10,902 members and a net worth ratio of 14.60% in its Call Report for 2026Q2. That ranks 1279 of 4,299 federally insured credit unions by assets, 520 of 1,061 among credit unions with $100m-$500m in assets, 104 of 380 credit unions in texas. Against its size class: net worth ratio 14.60%, above the peer median of 11.65%; loan-to-share ratio 77.16%, above the peer median of 73.15%; return on assets 1.68%, above the peer median of 0.74%. At 14.60% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $201.9M | $198.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $173.8M | $172.3M | $40.8M | $58.3M | record → |
| Loans outstanding | $134.1M | $125.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $1.7M | $766.3k | $141.6k | $222.2k | record → |
| Net worth | $29.5M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 14.60% | 11.65% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 77.16% | 73.15% | 70.24% | 68.70% | computed |
| Return on assets | 1.68% | 0.74% | 0.59% | 0.71% | computed |
| Members | 10,902 | 13,230 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $201.9M | $173.8M | $134.1M | $1.7M | 14.60% | 10,902 | 1279 |
| 2026Q1 | $205.0M | $177.4M | $125.3M | $812.7k | 13.96% | 10,679 | 1269 |
| 2025Q4 | $213.7M | $186.6M | $125.6M | $3.2M | 13.01% | 10,664 | 1234 |
| 2025Q3 | $208.0M | $182.0M | $126.5M | $2.4M | 12.95% | 10,580 | 1254 |
| 2025Q2 | $209.3M | $184.3M | $126.6M | $1.6M | 12.49% | 10,566 | 1253 |
| 2025Q1 | $209.5M | $185.9M | $126.8M | $793.4k | 12.10% | 10,579 | 1249 |
| 2024Q4 | $208.8M | $186.5M | $126.0M | $3.4M | 11.76% | 10,498 | 1238 |
| 2024Q3 | $219.2M | $197.3M | $124.6M | $2.5M | 10.81% | 10,452 | 1205 |
| 2024Q2 | $207.0M | $187.1M | $121.0M | $1.4M | 10.93% | 10,244 | 1241 |
| 2024Q1 | $199.0M | $180.8M | $111.8M | $575.1k | 10.94% | 10,000 | 1275 |
| 2023Q4 | $190.5M | $172.3M | $114.3M | $2.0M | 11.13% | 9,916 | 1299 |
| 2023Q3 | $181.8M | $165.8M | $113.0M | $1.4M | 11.32% | 9,780 | 1323 |
| 2023Q2 | $180.3M | $164.2M | $111.9M | $950.5k | 11.16% | 9,674 | 1329 |
| 2023Q1 | $190.7M | $175.1M | $104.7M | $625.1k | 10.38% | 9,348 | 1295 |
| 2022Q4 | $191.9M | $177.4M | $97.1M | $1.4M | 9.99% | 8,980 | 1280 |
| 2022Q3 | $179.7M | $166.6M | $87.6M | $701.0k | 10.28% | 8,660 | 1338 |
| 2022Q2 | $174.7M | $159.3M | $76.1M | $501.2k | 10.46% | 8,255 | 1367 |
| 2022Q1 | $168.2M | $152.5M | $64.4M | $137.4k | 10.65% | 7,866 | 1395 |
| 2021Q4 | $155.4M | $136.9M | $54.5M | $703.0k | 11.44% | 7,654 | 1443 |
| 2021Q3 | $154.9M | $136.2M | $47.5M | $635.0k | 11.43% | 7,441 | 1438 |
| 2021Q2 | $162.3M | $143.7M | $43.3M | $281.6k | 10.69% | 7,343 | 1395 |
| 2021Q1 | $166.3M | $148.0M | $42.2M | $27.3k | 10.28% | 7,338 | 1365 |
| 2020Q4 | $165.2M | $146.3M | $43.2M | $781.1k | 10.33% | 7,661 | 1315 |
| 2020Q3 | $164.6M | $145.7M | $42.8M | $670.7k | 10.30% | 7,827 | 1302 |
| 2020Q2 | $164.9M | $146.2M | $42.7M | $601.5k | 10.24% | 7,737 | 1287 |
| 2020Q1 | $160.8M | $142.4M | $42.4M | $149.1k | 10.22% | 7,808 | 1257 |
| 2019Q4 | $159.8M | $142.7M | $41.2M | $1.1M | 10.19% | 7,674 | 1239 |
| 2019Q3 | $154.5M | $137.5M | $38.8M | $891.3k | 10.39% | 7,585 | 1254 |
| 2019Q2 | $151.8M | $135.4M | $35.2M | $664.4k | 10.42% | 7,506 | 1271 |
| 2019Q1 | $147.1M | $131.9M | $33.3M | $278.5k | 10.49% | 7,400 | 1295 |
| 2018Q4 | $144.8M | $130.6M | $31.0M | $1.1M | 10.46% | 7,305 | 1290 |
| 2018Q3 | $141.5M | $128.7M | $28.0M | $722.8k | 10.45% | 7,197 | 1313 |
| 2018Q2 | $139.7M | $127.4M | $26.5M | $382.2k | 10.34% | 7,109 | 1327 |
| 2018Q1 | $137.0M | $124.4M | $25.3M | $132.3k | 10.36% | 7,067 | 1337 |
| 2017Q4 | $129.8M | $116.8M | $24.3M | $404.5k | 10.83% | 7,005 | 1356 |
| 2017Q3 | $128.1M | $114.5M | $24.1M | $254.7k | 10.86% | 6,991 | 1369 |
| 2017Q2 | $127.9M | $114.6M | $24.3M | $88.2k | 10.75% | 6,929 | 1370 |
| 2017Q1 | $131.7M | $118.6M | $22.6M | $-51.2k | 10.33% | 7,035 | 1359 |
| 2016Q4 | $128.9M | $115.9M | $23.1M | $88.0k | 10.60% | 7,030 | 1347 |
| 2016Q3 | $130.8M | $116.2M | $24.7M | $265.5k | 10.58% | 7,021 | 1327 |
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