State credit union · Peoria, Illinois · NCUA charter #68448
Citizens Equity First
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $8.28B
- Total assets
- 418,324
- Members
- 11.5%
- Net-worth ratio
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.
Citizens Equity First - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth86
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.45% | 30% |
| Delinquency Rate | 1.13% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 3.30% | 15% |
| Loan-to-Share Ratio | 88.01% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Citizens Equity First
The five-factor composite scores Citizens Equity First at 92/100 (Excellent), reflecting a net worth ratio of 11.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Peoria, Illinois, reports 418,324 members, $8.28B in total assets, and $6.37B in outstanding loans as of Q4 2025 under charter #68448 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 88.01% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.13% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.94% on net income of $77.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.30%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Citizens Equity First financially healthy?
A 11.45% 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. 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 11.45% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.