Charter 22114 · Niles, MI
Circle Federal Credit Union
Circle Federal Credit Union is a federally chartered credit union in Niles, Michigan, with $117 million in assets and 6,127 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.14%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $117 million
- +2.0% in a year
- Members
- 6,127
- +3.7% in a year
- Net worth ratio
- 9.14%
- Peer median 11.65%
- Loans 60+ days late
- 0.25%
- Peer median 0.70%
- Loans outstanding
- $80.2 million
- +2.4% in a year
- Shares and deposits
- $106 million
- +1.5% in a year
- Branches
- 3
- 37 employees
- Opened
- 1975
- Federal charter
How Circle Federal Credit Union compares
NCUA groups credit unions by size; Circle Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.14% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.25%, is lower than the group median of 0.70%. Loans grew 2.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 107 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $117 million | 6,127 | $80.2 million | 9.14% | 0.25% |
| Q1 2026 | $117 million | 6,094 | $79.3 million | 8.95% | 0.62% |
| Q4 2025 | $116 million | 6,081 | $80.5 million | 8.87% | 0.90% |
| Q3 2025 | $117 million | 5,979 | $79.7 million | 8.50% | 0.53% |
| Q2 2025 | $115 million | 5,909 | $78.3 million | 8.47% | 1.05% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 87,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Circle Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Niles Branch (main office)
507 E Main St, Niles, MI 49120 - Cass Branch
1050 E State St, Cassopolis, MI 49031 - Edwardsburg Branch
68925 M-62, Edwardsburg, MI 49112
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology