Hagerstown, Indiana · Peer group 4
Perfect Circle Credit Union
Perfect Circle Credit Union holds $64.8M in assets across 5,272 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1932. Charter number 68719, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $64.8M |
|---|---|
| Total loans | $23.1M |
| Total shares (deposits) | $57.3M |
| Net worth | $7.9M |
| Members | 5,272 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.3% | |
|---|---|---|
| Loans | -7.2% | around the 17th percentile of its peer group |
| Deposits | -3.2% | around the 13th percentile of its peer group |
| Members | -2.6% | around the 34th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 40.4% | around the 14th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.2% | around the 43rd percentile of its peer group |
| Return on assets | 0.76% | around the 55th percentile of its peer group |
| Delinquency ratio | 1.82% | higher than 92% of its peer group |
| Cash / assets | 9.2% | around the 41st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Perfect Circle Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Indiana — the comparison set a peer ratio is measured against.
- South Bend Firefighters Credit Union
SOUTH BEND, IN
$65.0M · 3,312 members
- One Vision Credit Union
Clarksville, IN
$65.9M · 3,455 members
- Tlcu Financial Credit Union
MISHAWAKA, IN
$59.9M · 3,890 members
- Riverside Community Credit Union
Marion, IN
$58.3M · 5,886 members
- Professional Police Officers Credit Union
Indianapolis, IN
$57.7M · 3,230 members
- Financial Partners Credit Union
Woodburn, IN
$57.1M · 3,309 members
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