BlastPoint's Credit Union Scorecard
CITIZENS EQUITY FIRST
Charter #68448 · IL
CITIZENS EQUITY FIRST has 3 strengths but faces 2 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
- + ROA 0.30% above tier average
- + Net Interest Margin 0.33% above tier average
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 68.8% in tier
- - Delinquency rate 0.16% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Illinois.
- Shares and deposits +5.2% year over year ($7.42B in shares and deposits).
- Membership: 423,526 members, +2.3% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 1.33%.
- Efficiency ratio 53.60% vs a 66.07% peer average.
- Loan-to-share ratio 87.42% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423,526
+2.3% YoY+0.6% QoQ
|
-15.4K |
438,885
-1.1% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$8.5B
+4.0% YoY-1.2% QoQ
|
$-419.3M |
$8.9B
+0.0% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$6.5B
+2.8% YoY+1.5% QoQ
|
+$273.1M |
$6.2B
-0.6% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$7.4B
+5.2% YoY-1.6% QoQ
|
$-233.2M |
$7.7B
+2.7% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.3%
-2.7% YoY+5.4% QoQ
|
+0.3% |
1.0%
+4.7% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.4%
+1.8% YoY+3.0% QoQ
|
+0.3% |
3.1%
+6.6% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
53.6%
-1.1% YoY-1.5% QoQ
|
-12.5% |
66.1%
+1.6% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
1.0%
-1.4% YoY+13.7% QoQ
|
+0.2 |
0.8%
+23.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
87.4%
-2.3% YoY+3.1% QoQ
|
+6.1% |
81.3%
-3.8% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$32,849
+1.7% YoY-0.7% QoQ
|
$-4K |
$37,279
+8.1% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
25.2%
-4.8% YoY-1.2% QoQ
|
-3.1% | 28.3% | 14.0% | 20.0% | 36% |
| Indirect Auto % |
30.9%
-2.2% YoY+0.0% QoQ
|
+14.1% | 16.8% | 6.8% | 7.7% | 85% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)