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Featured Accounts

F.C.S. Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.15%1-year CD1 Year CD
0.35%SavingsShare Savings
0.75%Money MarketMoney Market

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 317th largest credit union in the state of Texas. It is also the 3,955th largest credit union in the nation. It was established in 1966 and as of June of 2017, it had grown to 2 employees and 1,229 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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Health
B+
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 - YTD1.37%
Return on Equity - YTD4.46%
Annual Interest Income$206.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$12.6MM$12.0MM
LoansQ2 2017vs Q2 2016$5.0MM$4.6MM
DepositsQ2 2017vs Q2 2016$8.8MM$8.3MM
Equity CapitalQ2 2017vs Q2 2016$3.8MM$3.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$16.00K$15.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$36.00K$52.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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F.C.S. Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$20-Share Savings

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$2,500-Money Market

F.C.S. Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$5k-1 Year CD
0.95%$5k-6 Months CD
Locations


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