Overview / Commentary
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
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1932 |
| Employees | 21 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.22% |
| Return on Equity - YTD | 2.34% |
| Annual Interest Income | $634K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $65.7MM$63MM |
| Loans | Q1 2025vs Q1 2024 | $24.9MM$26.1MM |
| Deposits | Q1 2025vs Q1 2024 | $59.2MM$57MM |
| Equity Capital | Q1 2025vs Q1 2024 | $5.9MM$5.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $212K$152K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $565K$368K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $34K$0 |