Citizens Equity First Credit Union Peoria, Illinois
Citizens Equity First Credit Union is a state-chartered credit union headquartered in Peoria, IL, established in 1937 (NCUA charter 68448), and it is regulated and insured by the NCUA. At Q2 2026 it reported 423,526 members and total assets of $8.50B (up 4.0% from Q2 2025), the 2nd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 11.65% at Q2 2026, in the well capitalized band.
Also written as Citizens Equity First CU · Trade name filed with the NCUA: CEFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68448
- Headquarters
- Peoria, IL
- Established
- 1937
- Total assets, Q2 2026
- $8.50B
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 423,526
- Net worth ratio, Q2 2026
- 11.65%
- Latest call report
- Q2 2026, NCUA 5300 · Citizens Equity First Credit Union call report
- Asset rank in state
- 2nd of 185 in Illinois
- Routing number
- 271183701
- Branches
- 35
It has 9,434 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.04 percentage points from 11.61% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.92B of $6.49B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.65% net worth ratio is above that band's 10.89% median.
Frequently asked about Citizens Equity First Credit Union
How big is Citizens Equity First Credit Union?
At Q2 2026 it reported total assets of $8.50B and 423,526 members.
Where is Citizens Equity First Credit Union headquartered?
It is headquartered in Peoria, IL, United States.
When was Citizens Equity First Credit Union founded?
It was established in 1937, per NCUA records.
Is Citizens Equity First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68448): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Citizens Equity First Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Citizens Equity First Credit Union well capitalized?
Its net worth ratio was 11.65% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Citizens Equity First Credit Union's delinquency ratio?
Its delinquency ratio was 0.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Citizens Equity First Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Peoria, IL 61607
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 68448
- RSSD ID
- 606792
- Members
- 423,526
- Potential members
- 7,941,797
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.65% | 10.89% | 61st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.39% | 0.89% | 80th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.97% | 8.07% | 81st top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.51% | 3.45% | 54th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 52.82% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.09% | 1.68% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.96% | 0.68% | 31st below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.59% | 5.12% | 81st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 87.42% | 88.03% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.50B total assets against $8.17B; $7.42B total shares and deposits against $7.06B; $6.49B total loans against $6.32B.
$989.9M net worth against $949.4M.
11.65% net worth ratio against 11.61%.
87.42% loan-to-share ratio against 89.49%.
0.96% delinquency ratio against 0.97%.
1.39% return on assets against 1.56%; 11.97% return on equity against 13.46%.
3.51% net interest margin against 3.46%.
423,526 members against 414,092.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.65% | 1.39% | 0.96% | 87.42% |
| March 31, 2026 | 11.16% | 1.26% | 0.84% | 84.82% |
| December 31, 2025 | 11.45% | -1.07% | 1.13% | 88.01% |
| September 30, 2025 | 12.10% | 1.41% | 1.04% | 90.18% |
| June 30, 2025 | 11.61% | 1.56% | 0.97% | 89.49% |
| March 31, 2025 | 11.01% | 1.17% | 0.80% | 85.75% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.