Circuit Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 13.3. A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Asset Mix:
Consumer loans (37%), home mtgs (16%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3234 Union Road
Cheektowaga, NY 14227
Cheektowaga, NY 14227
Phone Number
(716) 684-1741
NCUA Charter Number
Website
Largest Competitors
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY
Cheektowaga, NY