TellerScore

Headquartered in Niles, Michigan, Circle Federal Credit Union is a federal credit union with $117.4M in total assets and $105.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1975.

Based on its Q2 2026 filing, Circle Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 116th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is capital cushion (41/100; 9.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.14%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity84/100
Loans ÷ shares: 76.0% · 5.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (59 → 68), mostly because the loan quality component improved by 27 points.

TellerScore
556268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202458
Q4 202460
Q1 202555
Q2 202559
Q3 202563
Q4 202561
Q1 202664
Q2 202668
Net worth ratio
7.00%8.07%9.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.06%
Q3 20248.19%
Q4 20248.57%
Q1 20258.71%
Q2 20258.47%
Q3 20258.50%
Q4 20258.87%
Q1 20268.95%
Q2 20269.14%
Delinquent loans (60+ days)
0.25%0.73%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.97%
Q3 20240.91%
Q4 20240.95%
Q1 20251.21%
Q2 20251.05%
Q3 20250.53%
Q4 20250.90%
Q1 20260.62%
Q2 20260.25%
Return on assets
0.63%0.80%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.87%
Q4 20240.95%
Q1 20250.63%
Q2 20250.96%
Q3 20250.75%
Q4 20250.81%
Q1 20260.77%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$117.4M9.14%0.25%0.79%76.0%
Q1 202664$117.2M8.95%0.62%0.77%75.2%
Q4 202561$115.8M8.87%0.90%0.81%77.0%
Q3 202563$117.3M8.50%0.53%0.75%75.3%
Q2 202559$115.1M8.47%1.05%0.96%75.3%
Q1 202555$109.3M8.71%1.21%0.63%78.7%
Q4 202460$109.1M8.57%0.95%0.95%81.0%
Q3 202458$110.2M8.19%0.91%0.87%82.7%
Q2 202456$109.2M8.06%0.97%0.82%85.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.14%
15th
Problem loans0.25%
86th
Net charge-offs0.04%
93rd
Return on assets0.79%
54th
Loans to deposits76.0%
50th
Uninsured deposits5.1%
58th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Marquette Community Federal Credit UnionCredit union Marquette, MI92 out of 100, Very strong$117.0M14.9%0.85%vs
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
River Valley Credit UnionCredit union Ada, MI74 out of 100, Strong$124.0M12.1%0.63%vs
Meijer Credit UnionCredit union Grand Rapids, MI71 out of 100, Strong$128.1M9.4%0.29%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Great Lakes First Federal Credit UnionCredit union Escanaba, MI66 out of 100, Moderate$105.4M10.3%1.15%vs

Deposit insurance

Is my money safe at Circle Federal Credit Union?

Yes. Circle Federal Credit Union is a federally insured credit union (NCUA charter #22114). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($5.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.14%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Circle Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Cassopolis, MI (1)
  • Edwardsburg, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Circle Federal Credit Union reported 4 home-loan applications under HMDA (LEI 254900LXHR6OP0TSZ915): 3 originated ($805,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Circle Federal Credit Union
Type
Federal credit union
NCUA charter #
22114
RSSD ID
822387
Primary regulator
NCUA
Established
1975
Headquarters
PO Box 490, Niles, MI 49120
Employees
37

Quick answers

Circle Federal Credit Union: common questions

Is Circle Federal Credit Union NCUA insured?

Yes. Circle Federal Credit Union is a federally insured credit union (NCUA charter #22114). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Circle Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Circle Federal Credit Union have?

2 offices as of the latest NCUA data.