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
Call Report peers
CIRCUIT in the assets neighbourhood
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CIRCUIT vs every NCUA-scored credit union
CIRCUIT sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New York, ALCO (#67) ties at 89/100; one place down, One Credit Union of Ny (#69) ties at 89/100.
CIRCUIT: 2025Q4 → 2026Q1
CIRCUIT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $11.3M (2025Q4) to $11.6M (2026Q1).
- Net-worth ratio shifted -0.38 pp (13.53% → 13.15%).
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
CIRCUIT gives up 11 points in total. Member Growth costs the most, 11.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CIRCUIT financially healthy?
CIRCUIT has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,245 of 4,374 nationally on health and #68 of 272 in New York. Its net worth ratio is 13.15% and its delinquency rate 0.00%.
How does CIRCUIT compare to other credit unions?
CIRCUIT scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.30% vs 59.80%). Its widest shortfall is net worth ratio (13.15% vs 14.86%).
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?
CIRCUIT 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. CIRCUIT's net worth ratio of 13.15% 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.