State credit union · Hagerstown, Indiana · NCUA charter #68719
Perfect Circle
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $64.1M
- Total assets
- 5,314
- Members
- 12.2%
- Net-worth ratio
Perfect Circle scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.1M; members 5,314; net-worth ratio 12.20%; health rank #3,822 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,822 of 4,374 health · 2025Q4Perfect Circle · health 66/100 · $64.1M · 2025Q4
Call Report peers
Perfect Circle in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Perfect Circle vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Perfect Circle sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Perfect Circle: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 40.98% vs peer 62.60% (-21.62 pp).
Indiana standing for Perfect Circle
- Indiana health ordinal: #106 of 124.
- By total assets, Perfect Circle is #58 of 124 in Indiana.
- Member book place in Indiana: #58 of 124.
- One place up in Indiana, COMMUNITYWIDE (#105) ties at 66/100; one place down, Great Horizons (#107) scores 65/100, 1 point lower.
Perfect Circle Call Report trajectory
Perfect Circle: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $64.1M (2025Q4) to $64.8M (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.14% → 12.20%).
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Perfect Circle gives up 34 points in total. Delinquency Rate costs the most, 14.6 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.4 pts
- Return on Assets 11.9 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | -1.42 pp |
| Delinquency Rate | 2.34% | +1.37 pp |
| Return on Assets | 0.29% | -0.36 pp |
| Member Growth | -2.78% | - |
| Loan-to-Share Ratio | 40.98% | -21.62 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.8M | - |
| 2025Q4 | $64.1M | 5,314 |
| 2024Q4 | $62.1M | 5,466 |
| 2023Q4 | $61.8M | 5,612 |
Credit Union Details
- Charter Number
- 68719
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Hagerstown
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Perfect Circle, spread across 3 cities.
| Office | City |
|---|---|
| 631 E Main St (Main Office) | Hagerstown, IN |
| 2306 S Memorial Dr | New Castle, IN |
| 77 S 37th St | Richmond, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for Perfect Circle
Using this data
- Perfect Circle ranks #3,822 of 4,374 nationally on financial health and #106 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Vision is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Vision
Frequently Asked Questions
Is Perfect Circle financially healthy?
Perfect Circle has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,822 of 4,374 nationally on health and #106 of 124 in Indiana. Its net worth ratio is 12.20% and its delinquency rate 2.34%.
How does Perfect Circle compare to other credit unions?
Perfect Circle scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.98% vs 62.60%).
How can I join Perfect Circle?
Membership eligibility for Perfect Circle depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Perfect Circle directly for current membership requirements and application steps.
Is my money safe at Perfect Circle?
Perfect Circle is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Perfect Circle's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.