Perfect Circle Credit Union
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 12.8. A current level of 7.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (6.0) profitability. Good liquidity 5.3, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (17%), home mtgs (8%), other (75%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
631 East Main Street
Hagerstown, IN 47346
Hagerstown, IN 47346
Phone Number
(765) 489-4571
NCUA Charter Number
Website
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