CITIZENS EQUITY FIRST
Charter #68448 | IL
CITIZENS EQUITY FIRST has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.5% in tier
- + Wallet Share Momentum: Top 30.8% in tier
- + Relationship Depth Leader: Top 33.3% 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
- - Growth-at-Risk: Bottom 15.5% in tier
- - Liquidity Strain: Bottom 32.9% in tier
- - Liquidity Overhang: Bottom 40.0% 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
|
43rd in tier |
| 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
|
47th in tier |
| 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
|
Bottom 23.3% in tier |
| 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
|
67th in tier |
| 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
|
67th in tier |
| 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
|
Bottom 16.7% in tier |
| 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
|
53rd in tier |
| 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
|
63rd in tier |
| 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
|
41st in tier |
| 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
|
Top 15.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (6)
Margin Compression
declineStrong profitability track record but margins eroding. 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.
Growth-at-Risk
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.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)