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Overview / Commentary
631 E Main St
Hagerstown, IN 47346

Perfect Circle Credit Union is headquartered in Hagerstown and is the 59th largest credit union in the state of Indiana. It is also the 2,264th largest credit union in the nation. It was established in 1932 and as of September of 2016, it had grown to 27 employees and 6,958 members at 3 locations. Perfect Circle Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Henry and Wayne Counties in Indiana.
See current membership details


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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

NCUA #82792
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD1.83%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$52.6MM$50.9MM
LoansQ3 2016vs Q3 2015$31.1MM$31.1MM
DepositsQ3 2016vs Q3 2015$46.6MM$45.2MM
Equity CapitalQ3 2016vs Q3 2015$5.7MM$5.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$108.00K$124.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$393.00K$399.00K
Real Estate OwnedQ3 2016vs Q3 2015$146.00K$0

Rates for Perfect Circle Credit Union are currently being reviewed.


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