TellerScore

Circuit Federal Credit Union is a federal credit union headquartered in Cheektowaga, New York, in business for about 67 years. At the end of Q2 2026 it reported $11.5M in total assets and $9.9M in member shares and deposits, with 2 offices.

Circuit Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 135th. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (12/100, -0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.25%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings12/100
Return on assets (annualized): -0.19%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 2.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

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 fell 3 points (74 → 71), mostly because the loan quality component weakened by 13 points.

TellerScore
687887Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202487
Q4 202478
Q1 202571
Q2 202574
Q3 202572
Q4 202573
Q1 202668
Q2 202671
Net worth ratio
7.00%10.66%14.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.17%
Q3 202414.31%
Q4 202412.72%
Q1 202512.88%
Q2 202512.96%
Q3 202512.87%
Q4 202513.53%
Q1 202613.15%
Q2 202613.25%
Delinquent loans (60+ days)
0.00%0.32%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.18%
Q4 20240.08%
Q1 20250.00%
Q2 20250.00%
Q3 20250.23%
Q4 20250.00%
Q1 20260.62%
Q2 20260.39%
Return on assets
-1.36%-0.02%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.29%
Q4 20240.48%
Q1 2025-1.36%
Q2 2025-0.33%
Q3 2025-0.26%
Q4 2025-0.47%
Q1 2026-0.26%
Q2 2026-0.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$11.5M13.25%0.39%-0.19%75.3%
Q1 202668$11.6M13.15%0.62%-0.26%75.7%
Q4 202573$11.3M13.53%0.00%-0.47%76.3%
Q3 202572$12.1M12.87%0.23%-0.26%72.7%
Q2 202574$12.1M12.96%0.00%-0.33%72.3%
Q1 202571$12.0M12.88%0.00%-1.36%75.3%
Q4 202478$12.4M12.72%0.08%0.48%72.5%
Q3 202487$11.4M14.31%0.18%1.29%82.8%
Q2 202482$11.3M14.17%0.64%1.32%87.6%

2,479 peers · Under $100 million in assets

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 ratio13.25%
41st
Problem loans0.39%
64th
Net charge-offs-0.20%
96th
Return on assets-0.19%
15th
Loans to deposits75.3%
25th
Uninsured deposits2.3%
42nd
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

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Deposit insurance

Is my money safe at Circuit Federal Credit Union?

Yes. Circuit Federal Credit Union is a federally insured credit union (NCUA charter #12912). 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 2.3% of shares and deposits ($228K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.25%, well 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Circuit Federal Credit Union
Type
Federal credit union
NCUA charter #
12912
RSSD ID
27780
Primary regulator
NCUA
Established
1959
Headquarters
3234 Union Road, Cheektowaga, NY 14227
Employees
6

Quick answers

Circuit Federal Credit Union: common questions

Is Circuit Federal Credit Union NCUA insured?

Yes. Circuit Federal Credit Union is a federally insured credit union (NCUA charter #12912). 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 Circuit Federal Credit Union's TellerScore?

71 out of 100 (Strong), 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 Circuit Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs