Citizens Equity First

Peoria, IL · 2 · Charter #68448 · www.cefcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$8.3B
94th percentile
Members
418,324
95th percentile
Total loans
$6.4B
96th percentile
Total shares
$7.2B
95th percentile

Profitability

Return on assets
0.76%
33th percentile
Net interest margin
2.71%
22th percentile
Efficiency ratio
34.24%
95th percentile
Non-interest income ratio
11.12%
10th percentile

Capital & Risk

Net worth ratio
11.45%
63th percentile
Delinquency rate
1.13%
22th percentile
Net charge-off rate
0.62%
34th percentile
Loan-to-share
88.02%
47th percentile

Growth

Member growth YoY
3.30%
61th percentile
Asset growth YoY
4.70%
41th percentile
Loan growth YoY
4.35%
45th percentile
Share growth YoY
4.55%
40th percentile

Operations

Members / branch
11,620
82th percentile
Assets / member
$19,801
65th percentile
Field of membership penetration
5.35%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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