CITIZENS EQUITY FIRST CREDIT UNION

EIN: 376028123 Public & Societal Benefit

PEORIA, IL

Total Revenue
$367,653,194
Total Expenses
$319,103,151
Total Assets
$7,460,577,542
Net Assets
$790,064,823
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1937
Legal Domicile
IL
Principal Officer
MATTHEW MAMER
Phone
3096337000
Tax Period
2023-01-01 to 2023-12-31

CITIZENS EQUITY FIRST CREDIT UNION, founded in 1937, is a major nonprofit in the Public & Societal Benefit sector that reported $367.7M in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $319.1M left a modest 13% surplus.

Mission

PROVIDE QUALITY SERVICE AND PRODUCTS TO IMPROVE THE FINANCIAL WELL BEING OF MEMBERS.

Program Service Accomplishments

Program 1

EXPANDED THE ILLINOIS FIELD OF MEMBERSHIP TO NOW INCLUDE CHAMPAIGN, DEWITT, DOUGLAS, FORD, PIATT, IROQUOIS, AND VERMILION COUNTIES; MEMBERSHIP NOW TOTALS NEARLY 393,000 STRONG.INTRODUCED A NEW ONLINE...

Read more

EXPANDED THE ILLINOIS FIELD OF MEMBERSHIP TO NOW INCLUDE CHAMPAIGN, DEWITT, DOUGLAS, FORD, PIATT, IROQUOIS, AND VERMILION COUNTIES; MEMBERSHIP NOW TOTALS NEARLY 393,000 STRONG.INTRODUCED A NEW ONLINE INSURANCE PRODUCT OFFERING THROUGH CEFCU INSURANCE SERVICES, INC., A SERVICE THAT ALLOWS MEMBERS TO EASILY COMPARE HIGHLY RATED INSURANCE CARRIER QUOTES. BUNDLED PRICING FOR AUTO, HOME, BUSINESS, AND OTHER TYPES OF INSURANCE CAN PROVIDE SIGNIFICANT SAVINGS FOR MEMBERS, OFFERING ANOTHER ADVANTAGE OF BEING A CEFCU MEMBER.

Program 2

CONTINUED TO PROVIDE A WIDE VARIETY OF SAVINGS PRODUCTS WITH LOW FEES AND COMPETITIVE RATES. PAID DIVIDENDS TOTALING 32% OF REVENUES INCLUDING A $40 MILLION EXTRAORDINARY DIVIDEND DIVIDED BETWEEN...

Read more

CONTINUED TO PROVIDE A WIDE VARIETY OF SAVINGS PRODUCTS WITH LOW FEES AND COMPETITIVE RATES. PAID DIVIDENDS TOTALING 32% OF REVENUES INCLUDING A $40 MILLION EXTRAORDINARY DIVIDEND DIVIDED BETWEEN BORROWERS AND SAVERS.

Program 3

PROVIDED A FULL RANGE OF MORTGAGE, CONSUMER, AND BUSINESS LOANS TO MEMBERS AND MEMBER OWNED BUSINESSES. GRANTED OVER $1.6 BILLION IN CONSUMER LOANS, OVER $305 MILLION IN MORTGAGE LOANS, AND OVER $249...

Read more

PROVIDED A FULL RANGE OF MORTGAGE, CONSUMER, AND BUSINESS LOANS TO MEMBERS AND MEMBER OWNED BUSINESSES. GRANTED OVER $1.6 BILLION IN CONSUMER LOANS, OVER $305 MILLION IN MORTGAGE LOANS, AND OVER $249 MILLION TO MEMBER OWNED BUSINESSES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Sign In — Free (10 views/day)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $328,379,019
Investment Income $35,723,945
Other Revenue $3,550,230
TOTAL REVENUE $367,653,194

Expense Breakdown

Grants Paid $0
Salaries & Benefits $96,733,774
Fundraising Expenses $0
Other Expenses $222,369,377
TOTAL EXPENSES $319,103,151

Year-over-Year Comparison

2023 2022 Change
Revenue $367,653,194 $291,593,880 +0.3%
Expenses $319,103,151 $244,775,584 +0.3%
Net Income $48,550,043 $46,818,296 +0.0%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Sign In

Governance

Voting Members
14
Independent Members
13
Employees
1220
Volunteers
13

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
12
$3,056,680
Total Directors
14
$865,486
Key Employees
0
$0
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
EREC D MONTGOMERY VICE CHAIRMAN 3.00
Officer Director
$0 $0 $0
KAVITA SACHDEV CHAIRMAN 4.00
Officer Director
$2,302 $0 $2,302
TIMOTHY R BRUNTON BOARD MEMBER 3.00
Director
$1,683 $0 $1,683
ROBERT M METZINGER BOARD MEMBER 3.00
Director
$991 $0 $991
ANGEL G MARTINEZ SECRETARY 3.00
Officer Director
$4,865 $0 $4,865
ERIC J RAHN BOARD MEMBER 3.00
Director
$0 $0 $0
MATTHEW D JOLIFF BOARD MEMBER 3.00
Director
$2,533 $0 $2,533
TODD W BRYANT BOARD MEMBER 3.00
Director
$0 $0 $0
SEAN D SCRANTON BOARD MEMBER 3.00
Director
$2,007 $0 $2,007
JENNIFER T STRICKLAND VICE CHAIRMAN 3.00
Officer Director
$3,751 $0 $3,751
BILLY J FRANK BOARD MEMBER 3.00
Director
$0 $0 $0
JADA A HOERR BOARD MEMBER 3.00
Director
$0 $0 $0
JOSEPH R NEEDHAM VICE CHAIRMAN 3.00
Officer Director
$2,048 $0 $2,048
MATTHEW J MAMER PRESIDENT-TREASURER 50.00
Officer Director
$753,943 $91,363 $845,306
ALYCIA D HIGHTOWER CHIEF PEOPLE OFFICER 50.00
Officer
$297,589 $48,607 $346,196
WYATT S WOLVEN CHIEF FINANCIAL OFFICER 50.00
Officer
$298,096 $33,089 $331,185
MARK A HOFFMIRE CHIEF OPERATIONS OFFICER 50.00
Officer
$340,528 $74,130 $414,658
TIMOTHY I DUNTON CHIEF DELIVERY OFFICER 50.00
Officer
$356,848 $79,856 $436,704
KEVIN D SCHNEIDER CHIEF LEGAL COUNSEL 50.00
Officer
$375,127 $69,829 $444,956
DIANNA L HUNTER CHIEF OPERATIONS OFFICER 50.00
Officer
$197,143 $27,566 $224,709
TODD R HALLER SENIOR VICE PRESIDENT 50.00
Highest
$256,245 $47,864 $304,109
PETER DIAZ CA COMMUNITY PRESIDENT 50.00
Highest
$268,255 $34,662 $302,917
THERESA A LAKE VICE PRESIDENT 50.00
Highest
$238,082 $48,235 $286,317
DENISE GHERE SENIOR VICE PRESIDENT 50.00
Highest
$232,955 $40,875 $273,830
RONALD ROUTH VICE PRESIDENT 50.00
Highest
$216,644 $69,620 $286,264
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $367,653,194 $319,103,151 $7,460,577,542 $48,550,043
2022 $291,593,880 $244,775,584 $7,682,726,978 $46,818,296
2021 $271,033,514 $222,097,963 $7,718,286,706 $48,935,551
2020 $274,471,808 $232,526,622 $7,099,882,295 $41,945,186
2019 $281,570,051 $254,091,550 $6,262,017,866 $27,478,501
2018 $258,607,595 $236,530,994 $5,956,471,394 $22,076,601
Explore More Nonprofits
Top 100 Nonprofits in Illinois Largest U.S. Nonprofits Best Rated Nonprofits Most Efficient Nonprofits

Compare CITIZENS EQUITY FIRST CREDIT UNION with other nonprofits in Illinois and across the country.