Circle
Circle is a credit union based in Niles, Michigan, established in 1975, with $117 million in total assets serving 6,094 members. By Trust Grade it ranks 148th of 170 credit unions we track in Michigan. Its net worth ratio of 8.9% trails most similarly sized credit unions (14th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.77% return on assets. No consumer complaints against Circle appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Circle compares to Michigan peers
How we graded Circle
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Profitable (ROA 0.77%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Circle over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Circle insured?
Yes. Circle is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Circle: frequently asked questions
Is Circle a good credit union?
Circle earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Profitable (ROA 0.77%).
Is Circle NCUA-insured?
Yes. Circle is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Circle?
Circle holds $117 million in total assets, ranking 148th of 170 credit unions we track in Michigan. It serves 6,094 members.
Does Circle have CFPB complaints?
No CFPB complaints against Circle appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
