CITIZENS

Charter #10170 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

CITIZENS has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 5.3% in tier
  • + Organic Growth Engine: Top 22.7% in tier
  • + ROA 0.74% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.1% in tier
  • - Shrinking Wallet Share: Bottom 5.3% in tier
  • - Wealth Migration Risk: Bottom 16.4% in tier
  • - Indirect Auto Dependency: Bottom 17.4% in tier
  • - Liquidity Overhang: Bottom 21.7% in tier
  • - Indirect Auto Concentration (%): Bottom 0.3% in tier
  • - Deposit Growth Rate: Bottom 2.0% in tier
  • - Asset Growth Rate: Bottom 3.7% in tier
  • - AMR Growth Rate: Bottom 4.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 10,580
+1.2% YoY+0.1% QoQ
 -5.0K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $208.0M
-5.1% YoY-0.6% QoQ
 $-23.3M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $126.5M
+1.6% YoY-0.0% QoQ
 $-21.2M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $182.0M
-7.8% YoY-1.3% QoQ
 $-18.3M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 53rd in tier
ROA 1.5%
-2.0% YoY+0.1% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 11.3% in tier
NIM 3.2%
+15.2% YoY-0.4% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 53.0%
-0.9% YoY+0.0% QoQ
 -24.2% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 3.2% in tier
Delinquency Rate 0.3%
-30.3% YoY-17.5% QoQ
 -0.6 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 16.3% in tier
Loan To Share 69.6%
+10.1% YoY+1.3% QoQ
 -3.1% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $29,159
-5.3% YoY-0.9% QoQ
 +$5K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 19.2% in tier
CD Concentration 14.3%
-25.7% YoY+1.3% QoQ
 -10.1% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 84.7%
+0.3% YoY+0.2% QoQ
 +70.7% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#100 of 627 • Top 5.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.53%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Engine

growth
#417 of 603 • Top 22.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.53%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 84.69%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Deposit Outflow

decline
#19 of 114 • Bottom 3.1% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -7.76%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $208.05M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#54 of 244 • Bottom 5.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.31%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Wealth Migration Risk

decline
#19 of 28 • Bottom 16.4% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $29.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -5.31%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $208.05M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
28 of 1077 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#280 of 525 • Bottom 17.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -5.09%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 84.69%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.22%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#336 of 552 • Bottom 21.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.95%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 69.55%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 30.43%
#1 of 1077 Top 0.0% in 100M-500M tier
36
Efficiency Ratio
profitability
Value: 53.04%
Peer Avg: 77.28%
#36 of 1077 Top 3.2% in 100M-500M tier
122
Return on Assets (ROA)
profitability
Value: 1.53%
Peer Avg: 0.79%
#122 of 1077 Top 11.2% in 100M-500M tier
177
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Avg: 0.86%
#177 of 1077 Top 16.3% in 100M-500M tier
207
Average Member Relationship (AMR)
engagement
Value: $29,159
Peer Avg: $24,363
#207 of 1077 Top 19.1% in 100M-500M tier
217
Share Certificate Concentration (%)
balance_sheet
Value: 14.34%
Peer Avg: 23.61%
#217 of 1077 Top 20.1% in 100M-500M tier
258
Loan-to-Member Ratio (LMR)
engagement
Value: $11,961
Peer Avg: $10,245
#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1075
Indirect Auto Concentration (%)
balance_sheet
Value: 84.69%
Peer Avg: 13.34%
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1056
Deposit Growth Rate
growth
Value: -7.76%
Peer Avg: 4.69%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1038
Asset Growth Rate
growth
Value: -5.09%
Peer Avg: 4.70%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1035
AMR Growth Rate
growth
Value: -5.31%
Peer Avg: 3.64%
#1035 of 1077 Bottom 4.0% in 100M-500M tier