Perfect Circle Credit Union
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 11.9. A current level of 6.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 4.7 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (19%), home mtgs (8%), other (73%)
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
Largest Competitors
South Bend, IN
Evansville, IN
Indianapolis, IN
Fort Wayne, IN
Indianapolis, IN