Circuit
Circuit is a credit union based in Cheektowaga, New York, established in 1959, with $12 million in total assets serving 1,043 members. By Trust Grade it ranks 174th of 267 credit unions we track in New York. Its net worth ratio of 13.2% trails most similarly sized credit unions (42th percentile), versus a New York median of 12%. It posted a loss over the most recent period (-0.26% return on assets), a point to watch. No consumer complaints against Circuit appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Circuit compares to New York peers
How we graded Circuit
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.2% capital ratio)
- Unprofitable over the period (ROA -0.26%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Circuit over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Circuit insured?
Yes. Circuit 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.
Circuit: frequently asked questions
Is Circuit a good credit union?
Circuit earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Strongly capitalized (13.2% capital ratio); Unprofitable over the period (ROA -0.26%).
Is Circuit NCUA-insured?
Yes. Circuit 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 Circuit?
Circuit holds $12 million in total assets, ranking 174th of 267 credit unions we track in New York. It serves 1,043 members.
Does Circuit have CFPB complaints?
No CFPB complaints against Circuit 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.
