CITIZENS
Charter #10170 · Big Spring, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.17% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.68% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.99% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 77th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CITIZENS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $205.01M | 52th pct | 77th pct |
| Members | 10,679 | 36th pct | 59th pct |
| Net worth ratio | 13.96% | 79th pct | 70th pct |
| Return on average assets | 1.55% | 89th pct | 74th pct |
| Net interest margin | 3.17% | 21th pct | 10th pct |
| Cost of funds | 1.68% | 76th pct | 80th pct |
| Loan-to-share | 70.62% | 48th pct | 44th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 16th pct |
| Net charge-off ratio | 0.51% | 66th pct | 56th pct |
| Loan growth YoY | -1.02% | 36th pct | 49th pct |
| Share growth YoY | -2.51% | 2th pct | 10th pct |
| Efficiency ratio | 53.99% | 4th pct | 3th pct |
structural peer set hash: 0c0018aeaf38f1244d2003eb7ac44c81… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.