State credit union · Peoria, Illinois · NCUA charter #68448
Citizens Equity First
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $8.28B
- Total assets
- 418,324
- Members
- 11.2%
- Net-worth ratio
Citizens Equity First scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.28B; members 418,324; net-worth ratio 11.16%; health rank #801 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#801 of 4,374 health · 2025Q4Citizens Equity First · health 92/100 · $8.28B · 2025Q4
- CHARTER 92/100
- NCUSIF 11.2%
- CAMELS 1.13%
- HEALTH 0.94%
- NW $8.28B
- DELQ 418,324
- ROA #801/4,374
- ASSETS Members 1st
- MEM 68448
Call Report peers
Citizens Equity First in the assets neighbourhood
Citizens Equity First's $8.28B assets sit next to Members 1st ($8.34B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Citizens Equity First vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Citizens Equity First - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68448, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Citizens Equity First
- Loan-to-Share Ratio leads the peer set - 88.01% here, 83.90% peer average (+4.11 pp).
- Largest lag: Delinquency Rate at 1.13% vs peer 0.87% (+0.25 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Citizens Equity First sits in Illinois
- In Illinois, health place is #33 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #2 of 192 inside Illinois ($8.28B reported).
- Illinois membership ordinal: #2 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Citizens Equity First's 5300 filing moved
Citizens Equity First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $8.28B (2025Q4) to $8.61B (2026Q1).
- Net-worth ratio shifted -0.29 pp (11.45% → 11.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.9 pts
Citizens Equity First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.16% | -0.02 pp |
| Delinquency Rate | 1.13% | +0.25 pp |
| Return on Assets | 0.94% | +0.43 pp |
| Member Growth | 3.30% | - |
| Loan-to-Share Ratio | 88.01% | +4.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.61B | - |
| 2025Q4 | $8.28B | 418,324 |
| 2024Q4 | $7.91B | 404,974 |
| 2023Q4 | $7.46B | 392,986 |
Credit Union Details
- Charter Number
- 68448
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Peoria
- Data Quarter
- 2025Q4
Branch Locations (36)
Citizens Equity First operates 36 offices across 24 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CEFCU (Main Office) | Peoria, IL |
| Bloomington Empire Member Center | Bloomington, IL |
| Bloomington Veterans Member Center | Bloomington, IL |
| Canton Member Center | Canton, IL |
| Prospect Member Center | Champaign, IL |
| Chillicothe Member Center | Chillicothe, IL |
| Columbia Member Center | Columbia, IL |
| Decatur Member Center | Decatur, IL |
| East Peoria Member Center | East Peoria, IL |
| Edwardsville Member Center | Edwardsville, IL |
| Eureka Member Center | Eureka, IL |
| Osgood Member Center | Fremont, CA |
| Germantown Hills Member Center | Germantown Hills, IL |
| Gilroy Member Center | Gilroy, CA |
| Godfrey Member Center | Godfrey, IL |
| Lincoln Member Center | Lincoln, IL |
| Morton Member Center | Morton, IL |
| Normal Member Center | Normal, IL |
| Regency Park Member Center | O Fallon, IL |
| Pekin Member Center | Pekin, IL |
| Downtown (Peoria) Member Center | PEORIA, IL |
| Northpoint Member Center | Peoria, IL |
| Summershade Circle Member Center | Peoria, IL |
| Valley Park Member Center | Peoria, IL |
| CEFCU Financial Center | Peoria, IL |
| Airport (Peoria) Member Center | Peoria, IL |
| Sheridan Village Member Center | Peoria, IL |
| Willow Glen Member Center | San Jose, CA |
| Evergreen Member Center | San Jose, CA |
| Branham Member Center | San Jose, CA |
| Santa Clara Member Center | Santa Clara, CA |
| Rivermark Member Center | Santa Clara, CA |
| Springfield Iles Member Center | Springfield, IL |
| Springfield Dirksen Member Center | Springfield, IL |
| Springfield South Sixth Street | Springfield, IL |
| Washington Member Center | Washington, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Citizens Equity First - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Citizens Equity First ranks #801 of 4,374 nationally on financial health and #33 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAXTER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAXTER
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Citizens Equity First financially healthy?
A 11.16% net worth ratio and a 1.13% delinquency rate feed into Citizens Equity First's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #801 of 4,374; by total assets it ranks #48 of 4,374 nationally (same basis as /rankings/largest); and #2 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Citizens Equity First compare to other credit unions?
Five weighted metrics from NCUA filings produce Citizens Equity First's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Citizens Equity First?
Membership eligibility for Citizens Equity First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Citizens Equity First directly for current membership requirements and application steps.
Is my money safe at Citizens Equity First?
Federal credit unions like Citizens Equity First are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Citizens Equity First's net worth ratio of 11.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Citizens Equity First offer compared to banks?
Credit unions like Citizens Equity First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Citizens Equity First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.