Perfect Circle Credit Union
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 12.1. A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 4.5 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (18%), home mtgs (8%), other (74%)
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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