Charter 68719 · Hagerstown, IN
Perfect Circle Credit Union
Perfect Circle Credit Union is a state-chartered credit union in Hagerstown, Indiana, with $63.2 million in assets and 5,237 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.77%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $63.2 million
- -3.2% in a year
- Members
- 5,237
- -2.7% in a year
- Net worth ratio
- 12.77%
- Peer median 12.95%
- Loans 60+ days late
- 2.21%
- Peer median 0.67%
- Loans outstanding
- $22.4 million
- -8.2% in a year
- Shares and deposits
- $55.7 million
- -4.7% in a year
- Branches
- 3
- 25 employees
- Opened
- 1932
- Indiana charter
How Perfect Circle Credit Union compares
NCUA groups credit unions by size; Perfect Circle Credit Union is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 12.77% is lower than that group's median of 12.95%, and its share of loans 60 or more days past due, 2.21%, is higher than the group median of 0.67%. Loans fell 8.2% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 59 of 121 credit unions headquartered in Indiana. See all Indiana credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $63.2 million | 5,237 | $22.4 million | 12.77% | 2.21% |
| Q1 2026 | $64.8 million | 5,272 | $23.1 million | 12.20% | 1.82% |
| Q4 2025 | $64.1 million | 5,314 | $23.2 million | 12.14% | 2.34% |
| Q3 2025 | $63.9 million | 5,347 | $23.7 million | 11.91% | 1.78% |
| Q2 2025 | $65.3 million | 5,380 | $24.4 million | 11.42% | 1.91% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 90,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Perfect Circle Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 631 E Main St (main office)
631 E Main St, Hagerstown, IN 47346 - 2306 S Memorial Dr
2306 S Memorial Dr, New Castle, IN 47362 - 77 S 37th St
77 S 37Th St, Richmond, IN 47374
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology