Citizens Equity First
Peoria, IL · Charter 68448 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 35 branches
Q2 2026
$8.5BAssets
$6.5BLoans
$7.4BShares
$989.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of credit unions $1B-$10B in assets (rank 17 of 435).
- Widest gap: nonperforming loans / loans trails 70% of credit unions $1B-$10B in assets (rank 306 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.33%
Rank 66 of 435
Net Interest Margin
3.43%
Rank 208 of 435
Efficiency Ratio
53.60%
Rank 17 of 435
Equity / Assets
11.65%
Rank 162 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.55% | 0.81% | 1.14% | Beats 85% | 66 / 435 | |
| Return on Equity | 11.45% | 5.12% | 7.41% | 9.70% | Beats 87% | 57 / 435 | |
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 52% | 208 / 435 | |
| Efficiency Ratio | 53.60% | 65.25% | 71.39% | 77.86% | Beats 96% | 17 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.45% | 0.69% | 1.05% | Beats 30% | 306 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.65% | 9.81% | 10.84% | 12.63% | Beats 63% | 162 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.65% | 9.81% | 10.84% | 12.63% | Beats 63% | 162 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 87.42% | 78.33% | 88.38% | 95.61% | 47th pctl | 232 / 435 | |
| Loans / Assets | 76.34% | 67.69% | 74.58% | 80.80% | 56th pctl | 190 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |