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
Call Report peers
Citizens Equity First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Citizens Equity First sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Illinois, I.B.E.W. Local #146 (#32) ties at 92/100; one place down, Illinois Educators (#34) ties at 92/100.
How Citizens Equity First's 5300 filing moved
Citizens Equity First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $8.28B (2025Q4) to $8.61B (2026Q1).
- Net-worth ratio shifted -0.29 pp (11.45% → 11.16%).
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
Citizens Equity First gives up 8 points in total. Delinquency Rate costs the most, 5.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Citizens Equity First financially healthy?
Citizens Equity First has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #801 of 4,374 nationally on health and #33 of 192 in Illinois. Its net worth ratio is 11.16% and its delinquency rate 1.13%.
How does Citizens Equity First compare to other credit unions?
Citizens Equity First scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.01% vs 83.90%). Its widest shortfall is delinquency rate (1.13% vs 0.87%).
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?
Citizens Equity First is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.