CIRCLE Credit Union Profile

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CIRCLE

Charter #22114 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (269) 684-6005

Fax: (269) 684-6173

Founding Date: N/A

Website: http://www.circlefcu.org

Personnel & Operations

President: Knott, Richard

Manager: Larson, Susan

FT Employees: 35

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: Monday, Wednesday, and Thursdays 9:00 AM -

Credit Union Profile Summary

CIRCLE is a FCU Credit Union. With a total of 5,909 members [1], this institution manages approximately $115,094,568 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.47% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.62% [1].

Financial Snapshot

Total Assets [1]
$115,094,568

Total economic resources.

Total Loans [1]
$78,325,771

Total value of outstanding loans.

Total Deposits [1]
$104,000,857

Total funds deposited by members.

Members [1]
5,909

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.47%

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]
0.98%

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

Loan-to-Share Ratio [1]
75.31%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.38%

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

Loan Growth (4Q) [1]
↓ -7.62%

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

Member Growth (4Q) [1]
↑ 0.19%

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

Headquarters Location & Map

Headquarters Address

507 E Main St

Niles, MI, 49120-2617
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by CIRCLE (Charter #22114).

Main Office

Niles Branch Main Office

Type: Corporate Office

507 E Main St

Niles, MI 49120-2617

Phone: (269) 684-6005

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Cassopolis

Cass Branch

Type: Branch Office

1050 E State St

Cassopolis, MI 49031

Phone: (269) 445-1951

Services: Member Services, ATM, Drive-Thru

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Edwardsburg

Edwardsburg Branch

Type: Branch Office

68925 M-62; Suite A

Edwardsburg, MI 49112-9150

Phone: (269) 414-4327

Services: Member Services, ATM, Drive-Thru

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