Circuit

CHEEKTOWAGA, NY · 1 · Charter #12912 · WWW.circuitfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.3M
45th percentile
Members
1,037
38th percentile
Total loans
$7.5M
56th percentile
Total shares
$9.8M
47th percentile

Profitability

Return on assets
-0.22%
12th percentile
Net interest margin
4.73%
77th percentile
Efficiency ratio
89.26%
13th percentile
Non-interest income ratio
6.48%
39th percentile

Capital & Risk

Net worth ratio
13.53%
41th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.21%
97th percentile
Loan-to-share
76.30%
71th percentile

Growth

Member growth YoY
-2.90%
34th percentile
Asset growth YoY
-9.11%
7th percentile
Loan growth YoY
-5.22%
40th percentile
Share growth YoY
-9.96%
8th percentile

Operations

Members / branch
519
24th percentile
Assets / member
$10,908
64th percentile
Field of membership penetration
1.36%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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