Perfect Circle Credit Union


Overview / Commentary
765-489-4571
631 E Main St
Hagerstown, IN 47346

Perfect Circle Credit Union is headquartered in Hagerstown and is the 58th largest credit union in the state of Indiana. It is also the 2,199th largest credit union in the nation. It was established in 1932 and as of March of 2025, it had grown to 21 employees and 5,414 members at 3 locations. Perfect Circle Credit Union has a B health rating.

Field of Membership Restrictions

PCCU membership is open to those who live or work in the Indiana counties of Henry or Wayne, and employees of a PCCU business partner. Immediate family are also eligible to join.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Perfect Circle Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #68719
Year Chartered1932
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD2.34%
Annual Interest Income$634K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$65.7MM$63MM
LoansQ1 2025vs Q1 2024$24.9MM$26.1MM
DepositsQ1 2025vs Q1 2024$59.2MM$57MM
Equity CapitalQ1 2025vs Q1 2024$5.9MM$5.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$212K$152K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$565K$368K
Real Estate OwnedQ1 2025vs Q1 2024$34K$0
Rates

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Locations


Perfect Circle Credit Union Locations
Branch Office2306 S Memorial DrNew Castle, IN 47362
Branch Office631 E Main StHagerstown, IN 47346
Branch Office77 S 37th StRichmond, IN 47374

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