BlastPoint's Credit Union Scorecard
CITIZENS EQUITY FIRST
Charter #68448 · IL
CITIZENS EQUITY FIRST has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.5% in tier
- + Profitability Leader: Top 73.3% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 14.8% in tier
- - Indirect Auto Dependency: Bottom 15.2% in tier
- - Credit Risk Growth: Bottom 15.5% in tier
- - Liquidity Strain: Bottom 32.9% in tier
- - Delinquency rate 0.37% above tier average
- - Fee Income Per Member: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
416,558
+3.5% YoY+0.6% QoQ
|
-42.7K |
459,296
+3.8% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$8.1B
+3.9% YoY-1.2% QoQ
|
$-846.7M |
$8.9B
+1.2% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$6.3B
+5.8% YoY+0.3% QoQ
|
$-5.5M |
$6.3B
+2.9% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$7.0B
+5.2% YoY-0.4% QoQ
|
$-428.0M |
$7.5B
+2.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
1.4%
-20.7% YoY+2.0% QoQ
|
+0.4% |
1.0%
+22.1% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
3.4%
-0.6% YoY+2.4% QoQ
|
+0.4% |
3.0%
+11.5% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
54.2%
+8.5% YoY+0.0% QoQ
|
-9.5% |
63.7%
-2.2% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.0%
+7.7% YoY+7.7% QoQ
|
+0.4 |
0.7%
+10.8% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 13.3% in tier |
| Loan To Share |
90.2%
+0.5% YoY+0.8% QoQ
|
+4.7% |
85.4%
+0.7% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$32,076
+1.9% YoY-0.7% QoQ
|
$-2K |
$33,660
-2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
26.7%
-0.1% YoY+0.9% QoQ
|
-2.2% |
28.9%
-1.3% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
41% |
| Indirect Auto % |
31.3%
+3.0% YoY-1.0% QoQ
|
+14.7% |
16.6%
-10.3% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
84% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)