CIRCUIT Credit Union Profile

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CIRCUIT

Charter #12912 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 684-1741

Fax: (716) 601-7547

Founding Date: N/A

Website: http://WWW.circuitfcu.com

Personnel & Operations

President: Sekuterski, Lisa

Manager: Kuczynski, Cheryl

FT Employees: 5

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: MON & TUES 9:30 - 5:00 WED 9:30 - 4:00 T

Credit Union Profile Summary

CIRCUIT is a FCU Credit Union. With a total of 1,050 members [1], this institution manages approximately $12,058,933 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.96% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -10.53% [1].

Financial Snapshot

Total Assets [1]
$12,058,933

Total economic resources.

Total Loans [1]
$7,585,337

Total value of outstanding loans.

Total Deposits [1]
$10,493,333

Total funds deposited by members.

Members [1]
1,050

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.96%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.33%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.29%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
6.95%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-10.53%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-5.23%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3234 Union Rd

CHEEKTOWAGA, NY, 14227-1044

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by CIRCUIT (Charter #12912).

Main Office

OFFICE Main Office

Type: Corporate Office

3234 Union Rd

Cheektowaga, NY 14227-1044

Phone: (716) 684-1741

Services: Member Services

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