CIRCLE
Federal • Niles, Michigan • Est. 1975
Quick Facts
- Charter Number
- #22114
- Type
- Federal
- Established
- 1975
- Headquarters
- Niles, Michigan 49120
- Address
- PO Box 490
- Branches
- 3
- ATMs
- 3
- Members
- 6,081
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
6,081 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CIRCLE |
|---|---|
| Total Assets | $115.8M |
| Members | 6,081 |
| Loans Outstanding | $80.5M |
| Shares & Deposits | $104.5M |
| Net Worth | $10.3M |
| Net Worth Ratio | 8.87% |
| Loan-to-Share Ratio | 77.0% |
| Delinquency Rate | 0.90% |
| Net Income | +$969,033 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. CIRCLE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CIRCLE has 6,081 members and a potential membership field of 87,000 people.
CIRCLE's net worth ratio is 8.87% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.9%, CIRCLE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CIRCLE. All financial data is for informational purposes only.