PERFECT CIRCLE Credit Union Profile

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PERFECT CIRCLE

Charter #68719 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (765) 489-4571

Fax: (765) 489-5778

Founding Date: N/A

Website: http://www.pccu.com

Personnel & Operations

President: Davis, Tina

Manager: Haney, Joshua

FT Employees: 23

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: M, Tu, Th - 8-5 Wed 10-5 Fri 8-6

Credit Union Profile Summary

PERFECT CIRCLE is a FISCU Credit Union. With a total of 5,380 members [1], this institution manages approximately $65,295,545 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.42% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.49% [1].

Financial Snapshot

Total Assets [1]
$65,295,545

Total economic resources.

Total Loans [1]
$24,416,784

Total value of outstanding loans.

Total Deposits [1]
$58,494,484

Total funds deposited by members.

Members [1]
5,380

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.42%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.56%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
41.74%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.70%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -6.49%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.77%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

631 E Main St

Hagerstown, IN, 47346
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by PERFECT CIRCLE (Charter #68719).

Main Office

631 E Main St Main Office

Type: Corporate Office

631 E Main St

Hagerstown, IN 47346

Phone: (765) 489-4571

Services: Member Services, ATM, Drive-Thru

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Additional Branches

New Castle

2306 S Memorial Dr

Type: Branch Office

2306 S Memorial Dr

New Castle, IN 47362

Phone: (765) 521-2215

Services: Member Services, ATM, Drive-Thru

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Richmond

77 S 37th St

Type: Branch Office

77 S 37th St

Richmond, IN 47374

Phone: (765) 965-7400

Services: Member Services, ATM, Drive-Thru

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