Federal credit union · CHEEKTOWAGA, New York · NCUA charter #12912
CIRCUIT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $11.3M
- Total assets
- 1,037
- Members
- 13.2%
- Net-worth ratio
CIRCUIT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.3M; members 1,037; net-worth ratio 13.15%; health rank #1,245 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,245 of 4,374 health · 2025Q4CIRCUIT · health 89/100 · $11.3M · 2025Q4
- CAMELS 89/100
- HEALTH 13.2%
- NW 0.00%
- DELQ 0.53%
- ROA $11.3M
- ASSETS 1,037
- MEM #1,245/4,374
- RANK South Shop
- PHOTO 12912
Call Report peers
CIRCUIT in the assets neighbourhood
CIRCUIT's $11.3M assets sit next to South Shop ($11.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CIRCUIT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CIRCUIT - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12912 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where CIRCUIT diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.50 pp (76.30% vs 59.80%).
- Largest lag: Net Worth Ratio at 13.15% vs peer 14.86% (-1.71 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CIRCUIT sits in New York
- New York health ordinal: #68 of 272.
- New York assets place: #206 of 272.
- Membership ranks #214 of 272 among New York CUs with a reported count (1,037 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CIRCUIT: 2025Q4 → 2026Q1
CIRCUIT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $11.3M (2025Q4) to $11.6M (2026Q1).
- Net-worth ratio shifted -0.38 pp (13.53% → 13.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 15.2 pts
CIRCUIT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.15% | -1.71 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.53% | -0.18 pp |
| Member Growth | -2.90% | - |
| Loan-to-Share Ratio | 76.30% | +16.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - CIRCUIT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.6M | - |
| 2025Q4 | $11.3M | 1,037 |
| 2024Q4 | $12.4M | 1,068 |
| 2023Q4 | $11.7M | 1,133 |
Credit Union Details
- Charter Number
- 12912
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- CHEEKTOWAGA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, CIRCUIT runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CHEEKTOWAGA, NY |
| HAMBURG LOCATION | Hamburg, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
CIRCUIT nationwide neighbourhoods
Two NCUA Call Report peer sets for CIRCUIT, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- CIRCUIT ranks #1,245 of 4,374 nationally on financial health and #68 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WILLIAMSVILLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WILLIAMSVILLE
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CIRCUIT financially healthy?
A 13.15% net worth ratio and a 0.00% delinquency rate feed into CIRCUIT's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,245 of 4,374; by total assets it ranks #3,489 of 4,374 nationally (same basis as /rankings/largest); and #206 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CIRCUIT compare to other credit unions?
On PlainCU's health composite, CIRCUIT lands at 89/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CIRCUIT?
CIRCUIT 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 CIRCUIT directly for the exact boundaries and application steps.
Is my money safe at CIRCUIT?
Federal credit unions like CIRCUIT are 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. CIRCUIT's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CIRCUIT offer compared to banks?
Credit unions like CIRCUIT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CIRCUIT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.