CIRCUIT
Federal • CHEEKTOWAGA, New York • Est. 1959
Quick Facts
- Charter Number
- #12912
- Type
- Federal
- Established
- 1959
- Headquarters
- CHEEKTOWAGA, New York 14227
- Address
- 3234 Union Road
- Branches
- 2
- Members
- 1,037
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,037 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CIRCUIT |
|---|---|
| Total Assets | $11.3M |
| Members | 1,037 |
| Loans Outstanding | $7.5M |
| Shares & Deposits | $9.8M |
| Net Worth | $1.5M |
| Net Worth Ratio | 13.53% |
| Loan-to-Share Ratio | 76.3% |
| Delinquency Rate | 0.00% |
| Net Income | $-25,368 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
MAIN OFFICE
Main Office3234 Union Rd
CHEEKTOWAGA, NY 14227-1044
HAMBURG LOCATION
140 Pine St Ste 3A
Hamburg, NY 14075
Who Can Join CIRCUIT?
Membership Type: Other/Unknown
Membership eligibility for CIRCUIT may vary. Contact the credit union directly to confirm qualification requirements.
Contact CIRCUIT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. CIRCUIT 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, CIRCUIT has 1,037 members and a potential membership field of 76,000 people.
CIRCUIT's net worth ratio is 13.53% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.5%, CIRCUIT meets this threshold.
CIRCUIT operates 2 branch locations. The main office is located at 3234 Union Rd, CHEEKTOWAGA, NY 14227-1044.
CIRCUIT was established in 1959. It is a federal credit union chartered under charter number 12912. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CIRCUIT. All financial data is for informational purposes only.