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Overview / Commentary
230 W California St
Floydada, TX 79235

F.C.S. Federal Credit Union is headquartered in Floydada and is the 316th largest credit union in the state of Texas. It is also the 3,924th largest credit union in the nation. It was established in 1966 and as of September of 2017, it had grown to 2 employees and 1,243 members at 1 location. F.C.S. Federal Credit Union's money market rates are 70% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in F.C.S. Federal Credit Union is open to employees of Floydada ISD, City of Floydada, Floyd County, Lockney ISD, Ralls ISD, Lorenzo ISD, Valley Schools, Memphis ISD, Motley ISD, Spur ISD, Patton Springs ISD and Central Plains Center, Plainview.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. F.C.S. Federal Credit Union has a low asset base.

Health Grade Components

NCUA #17696
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD4.53%
Annual Interest Income$318.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$12.6MM$11.8MM
LoansQ3 2017vs Q3 2016$5.2MM$4.7MM
DepositsQ3 2017vs Q3 2016$8.7MM$8.0MM
Equity CapitalQ3 2017vs Q3 2016$3.9MM$3.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$20.00K$16.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$63.00K$35.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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F.C.S. Federal Credit Union Savings Account Rates

0.35%$20-Share Savings

F.C.S. Federal Credit Union Money Market Rates

0.75%$2,500-Money Market

F.C.S. Federal Credit Union CD Rates

1.15%$5k-1 Year CD
0.95%$5k-6 Months CD

F.C.S. Federal Credit Union Locations
Branch Office230 W California StFloydada, TX 79235