Sep, 30, 2025 — CITIZENS EQUITY FIRST CREDIT UNION is a federally insured state chartered credit union headquartered in PEORIA, IL with 36 branch locations and about $8.07 billion in total assets. Opened 89 years ago in 1937, CITIZENS EQUITY FIRST CREDIT UNION has about 416,558 members and employs 1,043 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CITIZENS EQUITY FIRST CREDIT UNION |
|---|---|
| Address: (Main Office) | 5401 W Everett M Dirksen Pkwy PEORIA, IL 61607 |
| Phone: | (309) 633-7000 |
| Fax: | |
| Website: | https://www.cefcu.com |
| Branches: | 36 branch locations |
| Members: | 416,558 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68448 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $8,074,736,933 |
| CEO/Manager: | Matthew Mamer |
| Chairperson: | Joseph R Needham |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 376,400,475 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,517,201,508 |
| Unsecured Loans | 254,922,534 |
| Other Loans | 2,562,355,760 |
| TOTAL LOANS | 6,335,781,960 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -61,431,071 |
| Land And Building | 65,450,653 |
| Other Fixed Assets | 15,563,031 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 63,664,985 |
| All Other Assets | 794,977 |
| TOTAL ASSETS | 8,074,736,933 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,161,129 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 72,335,335 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 996,328,391 |
| Regular shares | 2,095,798,320 |
| All Other Shares & Deposits | 3,933,501,164 |
| TOTAL SHARES & DEPOSITS | 7,025,627,875 |
| TOTAL LIABILITIES | 7,103,124,627 |
| Regular Reserve | 0 |
| Other Reserves | 782,098 |
| Undivided Earnings | 970,830,208 |
| TOTAL EQUITY | 971,612,306 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 8,074,736,933 |
| INCOME & EXPENSE | |
| Loan Income | 260,970,101 |
| Investment Income | 85,932,722 |
| Other Income | 11,509,567 |
| Total Employee Compensation & Benefits | 71,825,829 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 63,448,116 |
| Non-operating Income & (Expense) | -201,953 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 29,548,964 |
| Cost of Funds | 138,205,392 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 84,646,368 |
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