In Big Spring, TX, Citizens is proving that a Small ($50M–$500M) credit union can deliver big results - with $214M in assets and 11K members counting on consistent, strong performance.
The numbers speak for themselves - with a net worth ratio of 13.0% and a return on assets of 1.52%, Citizens is delivering where it counts. Add in delinquency of just 0.23%, loan-to-share ratio of 67.3%, net interest margin of 3.15%, efficiency ratio of 57.3%, charge-off rate of just 0.49%, and you have a credit union performing well above its peer group.
Exceptionally well-capitalized with a net worth ratio of 13.