Credit union · NCUA insured
Perfect Circle Credit Union
A $64.8M credit union headquartered in Hagerstown, IN, with 5,272 members and 3 branches in Indiana. Best rates: CDs 3.61% and savings 0.55% APY.
Perfect Circle Credit Union Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#6 of 9 in Richmond, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Perfect Circle Credit Union
Originally formed by employees of the Perfect Circle Piston Ring Company, the credit union opened its membership in 2003 to anyone living or working in Wayne and Henry Counties.
- Headquarters
- 631 E Main St, Hagerstown, IN 47346
- NCUA charter
- 68719
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals living or working in Henry County, Indiana are eligible for membership.
- Individuals living or working in Wayne County, Indiana are eligible for membership.
Family and household
- Family members are eligible to join under the Family membership group.
Branches
3 branches in Indiana
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Indiana
3 branches
Richmond area · 2
- 631 E Main StMain office631 E Main St, Hagerstown, IN 47346Directions
- 77 S 37th St77 S 37th St, Richmond, IN 47374Directions
New Castle area · 1
- 2306 S Memorial Dr2306 S Memorial Dr, New Castle, IN 47362Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.77% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.21% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.90% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $40 | $59 | — |
- CapitalNet worth ratio12.77%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.21%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$40Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Perfect Circle Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.