State credit union · Hagerstown, Indiana · NCUA charter #68719
Perfect Circle
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $64.1M
- Total assets
- 5,314
- Members
- 12.1%
- Net-worth ratio
Perfect Circle - Share Insurance Coverage
Charter #68719's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Perfect Circle - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)42
- Earnings (ROA)79
- Member growth27
- Liquidity (loan-to-share)65
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.14% | 30% |
| Delinquency Rate | 2.34% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | -2.78% | 15% |
| Loan-to-Share Ratio | 40.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Perfect Circle
Perfect Circle is a state credit union headquartered in Hagerstown, Indiana, serving 5,314 members with $64.1M in total assets and $23.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 66/100 (Good), anchored by a net worth ratio of 12.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68719 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 40.98% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.34% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 0.29% on net income of $188K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.78%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Perfect Circle financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Perfect Circle carries a financial health score of 66/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.14% net worth ratio and a 2.34% delinquency rate.
How does Perfect Circle compare to other credit unions?
66/100 is Perfect Circle's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Perfect Circle are 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 12.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Perfect Circle offer compared to banks?
Credit unions like Perfect Circle are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Perfect Circle directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.