CIRCLE
Federal • Niles, Michigan • Est. 1975
Quick Facts
- Charter Number
- #22114
- Type
- Federal
- Established
- 1975
- Headquarters
- Niles, Michigan 49120-2617
- Address
- 507 E Main St
- Branches
- 3
- ATMs
- 3
- Members
- 6,094
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
6,094 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CIRCLE |
|---|---|
| Total Assets | $117.2M |
| Members | 6,094 |
| Loans Outstanding | $79.3M |
| Shares & Deposits | $105.4M |
| Net Worth | $10.5M |
| Net Worth Ratio | 8.95% |
| Loan-to-Share Ratio | 75.2% |
| Delinquency Rate | 0.62% |
| Net Income | +$226,011 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 3 ATMs
Niles Branch
Main Office507 E Main St
Niles, MI 49120-2617
Cass Branch
1050 E State St
Cassopolis, MI 49031
Edwardsburg Branch
68925 M-62
Edwardsburg, MI 49112-9150
Who Can Join CIRCLE?
Membership Type: Other/Unknown
Membership eligibility for CIRCLE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CIRCLE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
CIRCLE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CIRCLE has 6,094 members and a potential membership field of 87,000 people.
CIRCLE's reported net worth ratio is 8.95% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CIRCLE operates 3 branch locations and has access to 3 ATMs. The main office is located at 507 E Main St, Niles, MI 49120-2617.
CIRCLE was established in 1975. It is a federal credit union chartered under charter number 22114. The institution has been serving members for 51 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CIRCLE. All financial data is for informational purposes only.