CITIZENS EQUITY FIRST
Charter #68448 · Peoria, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 421,142 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.28% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.38% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.43% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 26th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CITIZENS EQUITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.61B | 91th pct | 84th pct |
| Members | 421,142 | 92th pct | 85th pct |
| Net worth ratio | 11.16% | 59th pct | 64th pct |
| Return on average assets | 1.28% | 85th pct | 84th pct |
| Net interest margin | 3.37% | 51th pct | 52th pct |
| Cost of funds | 2.38% | 82th pct | 75th pct |
| Loan-to-share | 84.82% | 44th pct | 26th pct |
| Delinquency 60+ days | 0.84% | 70th pct | 69th pct |
| Net charge-off ratio | 0.70% | 66th pct | 62th pct |
| Loan growth YoY | 0.95% | 39th pct | 33th pct |
| Share growth YoY | 7.33% | 84th pct | 85th pct |
| Efficiency ratio | 54.43% | 5th pct | 5th pct |
structural peer set hash: 4bb633dc48082074523824537b8f72fa… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.