CIRCLE
Charter #22114 · Niles, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,094 sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.20% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.66% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.01% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 26th — a 21-point gap showing why the peer definition matters.
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 | CIRCLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.23M | 12th pct | 11th pct |
| Members | 6,094 | 7th pct | 10th pct |
| Net worth ratio | 8.95% | 13th pct | 30th pct |
| Return on average assets | 0.78% | 55th pct | 69th pct |
| Net interest margin | 3.20% | 23th pct | 18th pct |
| Cost of funds | 1.66% | 75th pct | 75th pct |
| Loan-to-share | 75.17% | 56th pct | 49th pct |
| Delinquency 60+ days | 0.62% | 51th pct | 34th pct |
| Net charge-off ratio | 0.01% | 7th pct | 8th pct |
| Loan growth YoY | -0.52% | 41th pct | 34th pct |
| Share growth YoY | -0.32% | 8th pct | 18th pct |
| Efficiency ratio | 77.92% | 47th pct | 26th pct |
structural peer set hash: 5247dfe5e2935ba958aa12c85811875e… (reproducible)
Closest structural peers
This is the free public view
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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.