Federal credit union · Niles, Michigan · NCUA charter #22114
CIRCLE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $115.8M
- Total assets
- 6,081
- Members
- 8.9%
- Net-worth ratio
CIRCLE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $115.8M; members 6,081; net-worth ratio 8.95%; health rank #1,011 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,011 of 4,374 health · 2025Q4CIRCLE · health 91/100 · $115.8M · 2025Q4
Call Report peers
CIRCLE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CIRCLE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CIRCLE sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CIRCLE
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.81 pp (77.01% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.95% here, 12.11% peer average (-3.16 pp).
Where CIRCLE sits in Michigan
- In Michigan, health place is #46 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #106 of 171 inside Michigan ($115.8M reported).
- Michigan membership ordinal: #119 of 171.
- One place up in Michigan, DOW (#45) ties at 91/100; one place down, Gratiot Community (#47) ties at 91/100.
CIRCLE: 2025Q4 → 2026Q1
CIRCLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $115.8M (2025Q4) to $117.2M (2026Q1).
- Net-worth ratio shifted +0.08 pp (8.87% → 8.95%).
This credit union's 8.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
CIRCLE gives up 9 points in total. Delinquency Rate costs the most, 4 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.95% | -3.16 pp |
| Delinquency Rate | 0.90% | +0.01 pp |
| Return on Assets | 0.90% | +0.27 pp |
| Member Growth | 3.35% | - |
| Loan-to-Share Ratio | 77.01% | +4.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CIRCLE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.2M | - |
| 2025Q4 | $115.8M | 6,081 |
| 2024Q4 | $109.1M | 5,884 |
| 2023Q4 | $103.2M | 5,878 |
Credit Union Details
- Charter Number
- 22114
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Niles
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for CIRCLE, spread across 3 cities.
| Office | City |
|---|---|
| Niles Branch (Main Office) | Niles, MI |
| Cass Branch | Cassopolis, MI |
| Edwardsburg Branch | Edwardsburg, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for CIRCLE
Similar total assets
Using this data
- CIRCLE ranks #1,011 of 4,374 nationally on financial health and #46 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEIJER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEIJER
Frequently Asked Questions
Is CIRCLE financially healthy?
CIRCLE has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,011 of 4,374 nationally on health and #46 of 171 in Michigan. Its net worth ratio is 8.95% and its delinquency rate 0.90%.
How does CIRCLE compare to other credit unions?
CIRCLE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.01% vs 72.20%). Its widest shortfall is net worth ratio (8.95% vs 12.11%).
How can I join CIRCLE?
CIRCLE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CIRCLE directly for the exact boundaries and application steps.
Is my money safe at CIRCLE?
CIRCLE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CIRCLE's net worth ratio of 8.95% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.