CIRCUIT
Charter #12912 · CHEEKTOWAGA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,043 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.27% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.68% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.39% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CIRCUIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.58M | 7th pct | 13th pct |
| Members | 1,043 | 6th pct | 8th pct |
| Net worth ratio | 13.15% | 46th pct | 52th pct |
| Return on average assets | -0.27% | 13th pct | 13th pct |
| Net interest margin | 4.68% | 84th pct | 84th pct |
| Cost of funds | 0.39% | 25th pct | 13th pct |
| Loan-to-share | 75.68% | 79th pct | 59th pct |
| Delinquency 60+ days | 0.62% | 52th pct | 43th pct |
| Net charge-off ratio | -0.15% | 7th pct | 7th pct |
| Loan growth YoY | -0.76% | 64th pct | 61th pct |
| Share growth YoY | -4.73% | 4th pct | 5th pct |
| Efficiency ratio | 111.26% | 95th pct | 97th pct |
structural peer set hash: 530474e871ccdfaf675694720cf28460… (reproducible)
Closest structural peers
This is the free public view
Claim CIRCUIT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.