# CITIZENS EQUITY FIRST
Peoria, IL · NCUA charter 68448 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/citizens-equity-first-68448

Who the members are: state charter, organized 1937, low-income designated. 421,142 members of 7,940,691 potential (5.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.61B |
| Members | 421,142 (2.6% YoY) |
| Full-time staff | 1044 |
| Net worth | $960.2M |
| Net worth ratio | 11.2% (p60 of band) |
| ROA (annualized) | 1.26% (p85 of band) |
| Total delinquency | 0.84% (p72 of band) |
| Net charge-offs (annualized) | 0.70% (p67 of band) |
| Loans / shares | 85% (p45 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.30% (p49 of band) |
| Operating expense / assets | 2.13% (p8 of band) |
| Vehicles % of loans | 38% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 206% (p68 of band) |
| Vehicle delinquency | 1.52% (p91 of band) |
| Vehicle NCO | 1.53% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 78% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 25% |
| Average share balance | $9,385 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.1M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $28,438 |
| Loans granted, annualized | $2.15B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.1M outstanding purchased (0.4% of net worth), $6.3M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-12-14 [CEFCU chief to retire in May after 15 years at the helm - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYjdIQmNlbWVHZy1pZXJwWDFBQk5KLU9sR3BueVNqT3pObVBCRG5mdkp1MUpYVnNYdDhuX1BTbkJYM2Rqa3RyUTN0OTdXV2dhbUpIM1l4ZGg2YVhvRDhvV2R5MWNqbE9rUHVCLVphR0xiQkNBOWtUWl9CZjl3NDhmM2NMNUVuZzBfbzFGVVpZX2R3LWJCUHppazFSdnNqMHZQNldScXZJTQ?oc=5) · American Banker
- 2024-11-19 [CEFCU plans to build Champaign branch on North Prospect - The News-Gazette](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOOWlyX0JBSlF6QllSeG1YM2lob3ctRVJGcmVicjhKbWpBVWZqUFZRT096Z2xrUEZUT3IzTlZPYm1JNVBkdE1FYzA5UFRxVmsxS1lMOHVITXhfWTB6ZnF2MUZoSGlQUlpqWUwxd28tcXRjNjdjLVg2eEhxdTBjTFBLS2FwaU5USlRRMHkteXUtaXJQSWNNNUpFZXpVX1BuOGVPWFJnX1ZYbXRSeXRnSXRESnBjX2hib2pyVU1TdmVkVkhTX3VaX2gyRWhRQjJNTHVXQ1M3ZDBtOE5FdmxxanRLS05HUVdadw?oc=5) · The News-Gazette
- 2025-11-18 [LLCC basketball Coach Chad Jones earns IBCA’s highest honor - Capitol City Now](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYlY5R1ZxRmw3a0ZNRmp2RE5OZnZIS3lTd1lIU3NQaEJoMHZnY0d0eEt2WHBwdUs5Z182OFBnTnNsZWc2Q3F4dUpQWVNTeVZTUFBIZWppSi04MlpZZVJvSjBNTkV6OFNmVWJPcU5hcGpYamc4RUlZbG15VDRKM0pXV3hDS0FTSk5yYWNRUTVRVU5vQnRkNUJnU252US1id3M?oc=5) · Capitol City Now
- 2020-12-15 [CEFCU names Matt Mamer as next CEO, replacing Mark Spenny - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQSmVQd0VlTjNGc19EWlhIVFZ4OTBKb3hiNlpSN3VvTGFFZ2dYSk1EWjA3OXRRZGxMVF9neVJiUVN4d2E4bXMtR3hzblhIVWVmaUdpU1JVbzAwbXVBSVBHNUNOdXpEaXc3aGwySW8ySHd3b0taZTkxOWtpUldWUDhjOG9pY0xnYzBUQ0J4N0xSZFAybDhlQlhTSjFxbDRsYm5sa0VNeUJvTERHV1FoWExpUDFVWU0wNTZl?oc=5) · springfieldbusinessjournal.com
- 2023-09-18 [Edwardsville Township To Host Annual Touch A Truck Event Sept. 30 - RiverBender.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNT2h3dThMYlp6MW5hRHRZQ01TZER0U1Jjc0l0Q0pSa19uekFhSUpQbDFSblJ1SVFtX0oyZVoyQ1hKWkVwWF93aGFjSnpYT3VkMjVTbnpiTHB5VWU1RUV0WXZWN1ZtSVE1OGRyNHhnTWVWQzJSVUdVQUpZYTFnQ3hjSG05WHR4NzZIQ0MyMWgzTXloWVZHbXRBaTJBRUhKcTVFbEw1MGFlM2diZ1VrZDNRdUpzSlhIUQ?oc=5) · RiverBender.com
- 2023-08-20 [Brandi Tillman Obituary - Peoria, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNT2ZhaEFGUGlsZUl4RXhpdGtsSUVmTHdwYUNpQjJGYlZGZjBxOFUzNldGaWNWVVNFOW9rdG0yeldWUXltQ01ESmtnT3FrQTdDWWVVM3U3TTN6aVRBMVY2eEpQbUpPd0phc2RGS01HWGdvRWRMdnpLN2xoV1ZUelFXT0h3?oc=5) · Dignity Memorial
- 2024-06-16 [Jill Chau Obituary | Carmody-Flynn Funeral Home | Bloomington, IL - Tribute Archive](https://news.google.com/rss/articles/CBMia0FVX3lxTE51b25BcXctc0RBTXhTMVdHUnZtQXRYdGFnRVlpdzlrVEc5X2M1Q21qUXp4bVFMT2xXb05vUWpweGZYWmpyV091dW1qOHc4RDlWcUFFNHVKVFhXZlZCTTFaTDR2STlPVmswcnow?oc=5) · Tribute Archive
- 2023-06-21 [Charles Bryant Obituary (1941 - 2023) - Phoenix, AZ - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxONUJCekhJY2VZOFRoNk9fMHFfa3RxOExKNmp0NTdYM3NnTkFnZzBPZ3daMDNDMWhlRDFLcUZzcUFHQWwxN2hROWdKV0tmLWpDVkRULUsxTjE1UVA3dUlPQ1o1cnQ2SmtJeXo0VHBqeEFNZzJLRmRreEZLVUY5TkNjNU1hOUZCeTJaTVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68448 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "68448", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68448
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide