CITIZENS EQUITY FIRST Credit Union Profile

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CITIZENS EQUITY FIRST

Charter #68448 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (309) 633-7000

Fax:

Founding Date: N/A

Website: https://www.cefcu.com

Personnel & Operations

President: Needham, Joseph

Manager: Mamer, Matthew

FT Employees: 1,042

PT Employees: 8

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 36

Hours: 7:30 a.m. to 5:00 p.m.

Credit Union Profile Summary

CITIZENS EQUITY FIRST is a FISCU Credit Union. With a total of 414,092 members [1], this institution manages approximately $8,172,996,583 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.61% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.45% [1].

Financial Snapshot

Total Assets [1]
$8,172,996,583

Total economic resources.

Total Loans [1]
$6,315,343,899

Total value of outstanding loans.

Total Deposits [1]
$7,057,143,718

Total funds deposited by members.

Members [1]
414,092

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.61%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.40%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
89.49%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
4.61%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
7.45%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
4.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

5401 W Everett M Dirksen Pkwy

Peoria, IL, 61607

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 34 branches reported by CITIZENS EQUITY FIRST (Charter #68448).

Main Office

CEFCU Main Office

Type: Corporate Office

5401 W Everett M Dirksen Pkwy

Peoria, IL 61607

Phone: (309) 633-7000

Services: Member Services

Open in Directions

Additional Branches

Bloomington

Bloomington Empire Member Center

Type: Branch Office

2323 E Empire St

Bloomington, IL 61704-8253

Phone: (309) 633-7900

Services: Member Services, ATM, Drive-Thru

Open in Directions

Bloomington Veterans Member Center

Type: Branch Office

1114 S Veterans Pkwy

Bloomington, IL 61704

Phone: (309) 633-4270

Services: Member Services, ATM, Drive-Thru

Open in Directions

Canton

Canton Member Center

Type: Branch Office

175 E Elm St

Canton, IL 61520

Phone: (309) 647-7747

Services: Member Services, ATM, Drive-Thru

Open in Directions

Chillicothe

Chillicothe Member Center

Type: Branch Office

110 S 4th St

Chillicothe, IL 61523

Phone: (309) 274-9057

Services: Member Services, ATM, Drive-Thru

Open in Directions

Columbia

Columbia Member Center

Type: Branch Office

180 Admiral Trost Rd

Columbia, IL 62236

Phone: (618) 281-6500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Decatur

Decatur Member Center

Type: Branch Office

3301 N Woodford St

Decatur, IL 62526-2837

Phone: (217) 875-1177

Services: Member Services, ATM, Drive-Thru

Open in Directions

East Peoria

East Peoria Member Center

Type: Branch Office

501 Richland St

East Peoria, IL 61611-2480

Phone: (309) 633-7300

Services: Member Services, ATM, Drive-Thru

Open in Directions

Edwardsville

Edwardsville Member Center

Type: Branch Office

1254 University Dr

Suite 100

Edwardsville, IL 62025

Phone: (618) 659-9945

Services: Member Services, ATM, Drive-Thru

Open in Directions

Eureka

Eureka Member Center

Type: Branch Office

514 W Center St

Eureka, IL 61530

Phone: (309) 467-3640

Services: Member Services, ATM

Open in Directions

Fremont

Osgood Member Center

Type: Branch Office

44047 Osgood Rd

STE 230

Fremont, CA 94539

Phone: (408) 545-1492

Services: Member Services, ATM

Open in Directions

Germantown Hills

Germantown Hills Member Center

Type: Branch Office

510 Jubilee Ln

Germantown Hills, IL 61548-8449

Phone: (309) 633-7811

Services: Member Services, ATM, Drive-Thru

Open in Directions

Godfrey

Godfrey Member Center

Type: Branch Office

2810 Godfrey Rd

Godfrey, IL 62035

Phone: (618) 466-0652

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lincoln

Lincoln Member Center

Type: Branch Office

341 5th St

Lincoln, IL 62656-2676

Phone: (217) 735-5541

Services: Member Services, ATM, Drive-Thru

Open in Directions

Morton

Morton Member Center

Type: Branch Office

825 Detroit Ave

Morton, IL 61550-2439

Phone: (309) 263-0009

Services: Member Services, ATM, Drive-Thru

Open in Directions

Normal

Normal Member Center

Type: Branch Office

3 Traders Cir

Normal, IL 61761-4143

Phone: (309) 451-9777

Services: Member Services, ATM, Drive-Thru

Open in Directions

O Fallon

Regency Park Member Center

Type: Branch Office

450 Regency Park

O Fallon, IL 62269-1886

Phone: (618) 589-7805

Services: Member Services, ATM

Open in Directions

Pekin

Pekin Member Center

Type: Branch Office

3515 Court St

Pekin, IL 61554-6210

Phone: (309) 347-6651

Services: Member Services, ATM, Drive-Thru

Open in Directions

Peoria

Airport (Peoria) Member Center

Type: Branch Office

5401 W Everett M Dirksen Pkwy

Peoria, IL 61607-1188

Phone: (309) 633-3630

Services: Member Services, ATM, Drive-Thru

Open in Directions

CEFCU Financial Center

Type: Branch Office

7900 N University St

Peoria, IL 61615-1839

Phone: (309) 633-2750

Services: Member Services, ATM

Open in Directions

Downtown (Peoria) Member Center

Type: Branch Office

221 FULTON ST

Peoria, IL 61602

Phone: (309) 633-7200

Services: Member Services

Open in Directions

Northpoint Member Center

Type: Branch Office

8629 N Knoxville Ave

Peoria, IL 61615-1718

Phone: (309) 633-7400

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sheridan Village Member Center

Type: Branch Office

900 W Lake Ave

Peoria, IL 61614

Phone: (309) 633-7500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Summershade Circle Member Center

Type: Branch Office

5211 W Landens Way

Peoria, IL 61615-9259

Phone: (309) 633-7850

Services: Member Services, ATM, Drive-Thru

Open in Directions

Valley Park Member Center

Type: Branch Office

200 N MacArthur Hwy

Peoria, IL 61605-2179

Phone: (309) 633-7980

Services: Member Services, ATM

Open in Directions

San Jose

Branham Member Center

Type: Branch Office

171 Branham Ln Ste 12

San Jose, CA 95136-2339

Phone: (408) 545-1460

Services: Member Services, ATM

Open in Directions

Evergreen Member Center

Type: Branch Office

2980 E Capitol Expy Ste 90

San Jose, CA 95148-4246

Phone: (408) 545-1471

Services: Member Services, ATM

Open in Directions

Willow Glen Member Center

Type: Branch Office

670 Lincoln Ave

San Jose, CA 95126-3704

Phone: (408) 545-1411

Services: Member Services, ATM

Open in Directions

Santa Clara

Rivermark Member Center

Type: Branch Office

3980 Rivermark Plz

Santa Clara, CA 95054-4155

Phone: (408) 545-1570

Services: Member Services, ATM

Open in Directions

Santa Clara Member Center

Type: Branch Office

3607 El Camino Real

Santa Clara, CA 95051

Phone: (408) 545-1421

Services: Member Services, ATM

Open in Directions

Springfield

Springfield Dirksen Member Center

Type: Branch Office

2449 N Dirksen Pkwy

Springfield, IL 62702

Phone: (217) 528-9441

Services: Member Services, ATM, Drive-Thru

Open in Directions

Springfield Iles Member Center

Type: Branch Office

2424 W Iles Ave

Springfield, IL 62704-4330

Phone: (217) 546-0076

Services: Member Services, ATM, Drive-Thru

Open in Directions

Springfield South Sixth Street

Type: Branch Office

1000 E Lincolnshire Blvd

Springfield, IL 62703

Phone: (217) 585-0580

Services: Member Services, ATM, Drive-Thru

Open in Directions

Washington

Washington Member Center

Type: Branch Office

100 Legion Rd

Washington, IL 61571-2055

Phone: (309) 633-7700

Services: Member Services, ATM, Drive-Thru

Open in Directions