F.C.S. Federal Credit Union

Overview / Commentary
230 W California St
Floydada, TX 79235

F.C.S. Federal Credit Union is headquartered in Floydada and is the 305th largest credit union in the state of Texas. It is also the 3,789th largest credit union in the nation. It was established in 1966 and as of March of 2019, it had grown to 2 employees and 1,238 members at 1 location. F.C.S. Federal Credit Union's money market rates are 93% 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 - YTD1.54%
Return on Equity - YTD4.88%
Annual Interest Income$123.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$13.0MM$12.7MM
LoansQ1 2019vs Q1 2018$5.9MM$5.6MM
DepositsQ1 2019vs Q1 2018$8.9MM$8.7MM
Equity CapitalQ1 2019vs Q1 2018$4.1MM$4.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$19.00K$12.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$70.00K$38.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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F.C.S. Federal Credit Union Savings Account Rates

0.50%$20-Share Savings

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

0.85%$2.5k-Money Market

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

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