Overview / Commentary
806-983-5126
230 W California St
Floydada, TX 79235

F.C.S. Federal Credit Union is headquartered in Floydada and is the 308th largest credit union in the state of Texas. It is also the 3,815th largest credit union in the nation. It was established in 1966 and as of September of 2018, it had grown to 2 employees and 1,271 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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Health
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

Overall
NCUA #17696
Year Chartered1966
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD1.55%
Return on Equity - YTD4.94%
Annual Interest Income$352.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$12.9MM$12.6MM
LoansQ3 2018vs Q3 2017$5.9MM$5.2MM
DepositsQ3 2018vs Q3 2017$8.8MM$8.7MM
Equity CapitalQ3 2018vs Q3 2017$4.1MM$3.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$21.00K$20.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$54.00K$63.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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F.C.S. Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$20-Share Savings

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$2.5k-Money Market
Locations


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

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