Perfect Circle

Hagerstown, IN · 2 · Charter #68719 · www.pccu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$64.1M
15th percentile
Members
5,314
28th percentile
Total loans
$23.2M
7th percentile
Total shares
$56.7M
18th percentile

Profitability

Return on assets
0.97%
46th percentile
Net interest margin
3.73%
54th percentile
Efficiency ratio
73.91%
16th percentile
Non-interest income ratio
29.43%
92th percentile

Capital & Risk

Net worth ratio
12.14%
49th percentile
Delinquency rate
2.34%
7th percentile
Net charge-off rate
0.37%
46th percentile
Loan-to-share
40.98%
9th percentile

Growth

Member growth YoY
-2.78%
26th percentile
Asset growth YoY
3.19%
43th percentile
Loan growth YoY
-8.83%
7th percentile
Share growth YoY
1.24%
32th percentile

Operations

Members / branch
1,771
15th percentile
Assets / member
$12,062
29th percentile
Field of membership penetration
5.90%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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