BlastPoint's Credit Union Scorecard
CITIZENS EQUITY FIRST
Charter #68448 · IL
CITIZENS EQUITY FIRST has 1 strength but faces 6 concerns
How does the industry compare?
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 81.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 41.2% in tier
- - Credit Quality Pressure: Bottom 58.3% in tier
- - Credit Risk Growth: Bottom 66.7% in tier
- - Margin Compression: Bottom 100.0% in tier
- - ROA 0.20% below tier average
- - Delinquency rate 0.41% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
418,324
+3.3% YoY+0.4% QoQ
|
-27.6K |
445,922
+0.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$8.3B
+4.7% YoY+2.6% QoQ
|
$-647.8M |
$8.9B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$6.4B
+4.4% YoY+0.5% QoQ
|
+$110.7M |
$6.3B
+0.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$7.2B
+4.5% YoY+3.0% QoQ
|
$-282.7M |
$7.5B
+1.2% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.8%
-23.1% YoY-45.0% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.7%
+0.9% YoY-19.9% QoQ
|
-0.2% |
3.0%
+12.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
63.3%
+5.0% YoY+16.7% QoQ
|
-1.5% |
64.8%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.1%
+6.3% YoY+7.8% QoQ
|
+0.4 |
0.7%
+5.5% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
88.0%
-0.2% YoY-2.4% QoQ
|
+4.6% |
83.4%
-0.6% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$32,522
+1.1% YoY+1.4% QoQ
|
$-2K |
$34,266
-1.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
26.1%
-3.8% YoY-2.1% QoQ
|
-3.0% | 29.1% | 14.1% | 19.8% | 36% |
| Indirect Auto % |
31.1%
+2.0% YoY-0.7% QoQ
|
+14.0% | 17.1% | 7.1% | 7.8% | 84% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)