Circle

Niles, MI · 1 · Charter #22114 · www.circlefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$115.8M
55th percentile
Members
6,081
35th percentile
Total loans
$80.5M
65th percentile
Total shares
$104.5M
59th percentile

Profitability

Return on assets
0.84%
37th percentile
Net interest margin
3.17%
25th percentile
Efficiency ratio
59.89%
59th percentile
Non-interest income ratio
20.58%
66th percentile

Capital & Risk

Net worth ratio
8.87%
10th percentile
Delinquency rate
0.90%
40th percentile
Net charge-off rate
0.07%
88th percentile
Loan-to-share
77.01%
65th percentile

Growth

Member growth YoY
3.35%
88th percentile
Asset growth YoY
6.17%
70th percentile
Loan growth YoY
0.76%
47th percentile
Share growth YoY
7.57%
80th percentile

Operations

Members / branch
2,027
22th percentile
Assets / member
$19,045
81th percentile
Field of membership penetration
6.99%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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