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Charter 68448 · Peoria, IL

Citizens Equity First Credit Union

Citizens Equity First Credit Union is a state-chartered credit union in Peoria, Illinois, with $8.50 billion in assets and 423,526 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.65%, well above the 7% that NCUA's rules treat as well capitalized.

Also does business as CEFCU.

Total assets
$8.50 billion
+4.0% in a year
Members
423,526
+2.3% in a year
Net worth ratio
11.65%
Peer median 10.79%
Loans 60+ days late
0.96%
Peer median 0.67%
Loans outstanding
$6.49 billion
+2.8% in a year
Shares and deposits
$7.42 billion
+5.2% in a year
Branches
35
1,061 employees
Opened
1937
Illinois charter

How Citizens Equity First Credit Union compares

NCUA groups credit unions by size; Citizens Equity First Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.65% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.96%, is higher than the group median of 0.67%. Loans grew 2.8% over the year to Q2 2026, against a group median of 5.3% growth.

By assets it ranks 2 of 188 credit unions headquartered in Illinois. See all Illinois credit unions.

Five quarters of figures

QuarterAssetsMembersLoansNet worth ratio60+ days late
Q2 2026 $8.50 billion 423,526 $6.49 billion 11.65% 0.96%
Q1 2026 $8.61 billion 421,142 $6.40 billion 11.16% 0.84%
Q4 2025 $8.28 billion 418,324 $6.37 billion 11.45% 1.13%
Q3 2025 $8.07 billion 416,558 $6.34 billion 12.10% 1.04%
Q2 2025 $8.17 billion 414,092 $6.32 billion 11.61% 0.97%

Assets Members

Who can join

The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 7.9 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.

Credit unions that anyone in the US can join

Locations

NCUA's branch file lists 35 sites for Citizens Equity First Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.

  • Bloomington Empire Member Center
    2323 E Empire St, Bloomington, IL 61704
  • Normal Member Center
    3 Traders Cir, Normal, IL 61761
  • Decatur Member Center
    3301 N Woodford St, Decatur, IL 62526
  • East Peoria Member Center
    501 Richland St, East Peoria, IL 61611
  • Lincoln Member Center
    341 5Th St, Lincoln, IL 62656
  • Morton Member Center
    825 Detroit Ave, Morton, IL 61550
  • Pekin Member Center
    3515 Court St, Pekin, IL 61554
  • Northpoint Member Center
    8629 N Knoxville Ave, Peoria, IL 61615
  • Summershade Circle Member Center
    5211 W Landens Way, Peoria, IL 61615
  • Valley Park Member Center
    200 N Macarthur Hwy, Peoria, IL 61605
  • CEFCU Financial Center
    7900 N University St, Peoria, IL 61615
  • Springfield Iles Member Center
    2424 W Iles Ave, Springfield, IL 62704
  • Washington Member Center
    100 Legion Rd, Washington, IL 61571
  • Airport (Peoria) Member Center
    5401 W Everett M Dirksen Pkwy, Peoria, IL 61607
  • CEFCU (main office)
    5401 W Everett M Dirksen Pkwy, Peoria, IL 61607
  • Springfield Dirksen Member Center
    2449 N Dirksen Pkwy, Springfield, IL 62702
  • Willow Glen Member Center
    670 Lincoln Ave, San Jose, CA 95126
  • Santa Clara Member Center
    3607 El Camino Real, Santa Clara, CA 95051
  • Evergreen Member Center
    2980 E Capitol Expy Ste 90, San Jose, CA 95148
  • Sheridan Village Member Center
    900 W Lake Ave, Peoria, IL 61614
  • Chillicothe Member Center
    110 S 4Th St, Chillicothe, IL 61523
  • Eureka Member Center
    514 W Center St, Eureka, IL 61530
  • Canton Member Center
    175 E Elm St, Canton, IL 61520
  • Germantown Hills Member Center
    510 Jubilee Ln, Germantown Hills, IL 61548
  • Branham Member Center
    171 Branham Ln Ste 12, San Jose, CA 95136
  • Springfield South Sixth Street
    1000 E Lincolnshire Blvd, Springfield, IL 62703
  • Bloomington Veterans Member Center
    1114 S Veterans Pkwy, Bloomington, IL 61704
  • Osgood Member Center
    44047 Osgood Rd, Fremont, CA 94539
  • Columbia Member Center
    180 Admiral Trost Rd, Columbia, IL 62236
  • Edwardsville Member Center
    1254 University Dr, Edwardsville, IL 62025
  • Godfrey Member Center
    2810 Godfrey Rd, Godfrey, IL 62035
  • Regency Park Member Center
    450 Regency Park, O Fallon, IL 62269
  • Rivermark Member Center
    3980 Rivermark Plz, Santa Clara, CA 95054
  • Gilroy Member Center
    681 Leavesley Rd, Gilroy, CA 95020
  • Prospect Member Center
    2803 N Prospect Ave, Champaign, IL 61822

Watch Citizens Equity First Credit Union

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About these numbers

Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology