Feedback
Share
Link
Link copied!
Asset Brief
Perfect Circle Credit Union
Credit Union Finder
Explore
Search
Asset Brief
More
About Asset Brief
Copyright © 2022 assetbrief.com and Spring Launch Media LLC. All Rights Reserved.

All content on this website ("the Site") is the property of Spring Launch Media LLC. The collection and assembly of content on this Site are the exclusive property of Spring Launch Media LLC and are protected by copyright and other intellectual property laws. Credit union and bank data is publicly sourced from the U.S. government. None are affiliated with Asset Brief. assetbrief.com is an independent, advertising-supported publisher. We work hard to keep our information accurate and up to date, but do not guarantee accuracy of information. You may see different information when you visit a specific product’s site. assetbrief.com does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed. assetbrief.com does not assume any responsibility for any aspect of financial decisions taken based on the contents provided on this Site. When considering offers, please review all Terms and Conditions with the offering institution. Our content is not intended to provide investment advice. assetbrief.com is compensated through display advertising and offers from our partners. Many or all of the products features may be from our partners, and advertising may impact on where, how, and the order in which products appear on this Site. AssetBrief does not include all companies or all available products. However, this does not influence our editorial content or our advice, which are based on industry knowledge and many many hours of research. assetbrief.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Perfect Circle Credit Union Share
Link
Link copied!

Table of Contents
Map Loading...
Overview Share
Link
Link copied!
Back to Top

Perfect Circle Credit Union is a non-federally insured state credit union based in Hagerstown, Indiana. It has been opened since 1932, for 90 years.

With around $53,690,000 in assets, Perfect Circle Credit Union is considered to be an average size credit union. It has 3 branches and 3 ATM locations.

About Share
Link
Link copied!
Address Po Box 29
Hagerstown, Indiana 47346
Website http://www.pccu.com
Phone (765) 489-4571
Fax (765) 489-5778
CEO Lisa Dykhoff
President of the Board Peggy Cenova
Services Offered
Score Card Share
Link
Link copied!
Back to Top
90 years
Years in business
Opened in 1932
Well Capitalized
Net worth classification
Source: NCUA
6,441 members
Membership type: State chartered natural person credit union
Above average number of members
222:1
Credit union member to staff ratio
222 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$53,685,152
Total assets
Average size
3 branches
Compared with an average of 4 nationally and 3 in Indiana
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
13.21%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
Link
Link copied!
Back to Top
3 branches
Compared with an average of 4 nationally and 3 in Indiana
Above average number of branches
Perfect Circle Credit Union Branch Locations

Perfect Circle Credit Union: 2306 S. Memorial Drive
2306 S. Memorial Drive
New Castle, Indiana 47362
ATM Available
Perfect Circle Credit Union: 77 S. 37th Street
77 S. 37th Street
Richmond, Indiana 47374
ATM Available
Perfect Circle Credit Union: 631 E. Main Street
631 E. Main Street
Hagerstown, Indiana 47346
ATM Available
Members Share
Link
Link copied!
Back to Top
6,441 members
Membership type: State chartered natural person credit union
Above average number of members

With 6,441 members, the Perfect Circle Credit Union is considered to be a large credit union. It is larger than 62% of credit unions.

Fees Share
Link
Link copied!
Back to Top
$88
Average fee per member
The average fee per member at the Perfect Circle Credit Union is $88, which is high compared to most credit unions. This rate is higher than 79% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Perfect Circle Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
Link
Link copied!
Back to Top
222:1
Credit union member to staff ratio
222 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
29 staff members
FTE (full-time equivalent)
13% of employees are part-time
27 full-time, 4 part-time

Perfect Circle Credit Union has 27 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 87% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Perfect Circle Credit Union has around 222 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
Link
Link copied!
Back to Top
$53,685,152
Total assets
Average size
Net worth Share
Link
Link copied!
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
Link
Link copied!
Back to Top
$9,123
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 41% of credit unions.

Perfect Circle Credit Union holds a total of $30,660,000 in loans and leases, which is about $9,123 per member on average.

Savings interest rate Share
Link
Link copied!
Back to Top
0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Perfect Circle Credit Union pays 0.25%.

Loan rates Share
Link
Link copied!
Back to Top
13.21%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.85%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.82%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
Link
Link copied!
Back to Top
4.07%
New car loan rate
Compared to 4.0% nationally
4.79%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
Link
Link copied!
Back to Top
5.97%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.47%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

More Credit Unions

See all...
Members Advantage Credit Union
Credit Union: Well Capitalized Michigan City, Indiana 8470.0 $94 million Well Capitalized
Members Choice Credit Union
Credit Union: Well Capitalized Bloomington, Indiana 2382.0 $14 million Well Capitalized
Munseetown Community Credit Union
Credit Union: Well Capitalized Muncie, Indiana 1566.0 $9 million Well Capitalized
Indianapolis Post Office Credit Union
Credit Union: Well Capitalized Indianapolis, Indiana 3780.0 $56 million Well Capitalized
Public Service Edwardspt Pl E Credit Union
Credit Union: Well Capitalized Linton, Indiana 295.0 $2 million Well Capitalized
Jackson County Co-Op Credit Union
Credit Union: Well Capitalized Seymour, Indiana 1097.0 $22 million Well Capitalized
First County Credit Union
Credit Union: Well Capitalized Muncie, Indiana 2380.0 $16 million Well Capitalized
South Bend Transit Credit Union
Credit Union: Well Capitalized South Bend, Indiana 390.0 $4 million Well Capitalized
Indiana Heartland Credit Union
Credit Union: Well Capitalized Kokomo, Indiana 3764.0 $19 million Well Capitalized
Chiphone Credit Union
Credit Union: Well Capitalized Elkhart, Indiana 10548.0 $86 million Well Capitalized

More Credit Unions

See all...
Business And Industrial Credit Union
Credit Union: Well Capitalized Columbus, Indiana 5324.0 $37 million Well Capitalized
Policemen's Credit Union
Credit Union: Well Capitalized South Bend, Indiana 5012.0 $58 million Well Capitalized
Eastern Indiana Credit Union
Credit Union: Well Capitalized New Castle, Indiana 4855.0 $27 million Well Capitalized
Bar-Cons Credit Union
Credit Union: Well Capitalized Columbus, Indiana 4137.0 $36 million Well Capitalized
Dearborn County Credit Union
Credit Union: Well Capitalized Lawrenceburg, Indiana 2329.0 $15 million Well Capitalized
Community Spirit Credit Union
Credit Union: Well Capitalized Lawrenceburg, Indiana 1953.0 $13 million Well Capitalized
City of Firsts Community Credit Union
Credit Union: Well Capitalized Kokomo, Indiana 5274.0 $28 million Well Capitalized
Howard County School Employee Credit Union
Credit Union: Well Capitalized Kokomo, Indiana 2757.0 $31 million Well Capitalized
Diversified General Credit Union
Credit Union: Well Capitalized Logansport, Indiana 3243.0 $10 million Well Capitalized
Local 697 Credit Union
Credit Union: Well Capitalized Merrillville, Indiana 2919.0 $34 million Well Capitalized

Additional Credit Unions

See all...
Thrive Credit Union
Credit Union: Well Capitalized Muncie, Indiana 6122.0 $55 million Well Capitalized
Encompass Credit Union
Credit Union: Well Capitalized Tipton, Indiana 16353.0 $176 million Well Capitalized
Primetrust Financial Credit Union
Credit Union: Well Capitalized Muncie, Indiana 17597.0 $159 million Well Capitalized
Madison County Credit Union
Credit Union: Well Capitalized Anderson, Indiana 8746.0 $74 million Well Capitalized
Power One Credit Union
Credit Union: Well Capitalized Fort Wayne, Indiana 1625.0 $15 million Well Capitalized
Hulman Field Technicians Credit Union
Credit Union: Well Capitalized Terre Haute, Indiana 822.0 $8 million Well Capitalized
Regional Credit Union
Credit Union: Well Capitalized Hammond, Indiana 22260.0 $130 million Well Capitalized
Members Source Credit Union
Credit Union: Well Capitalized Merrillville, Indiana 6784.0 $76 million Well Capitalized
Forum Credit Union
Credit Union: Well Capitalized Indianapolis, Indiana 152866.0 $1 billion Well Capitalized
Evansville Firefighters Credit Union
Credit Union: Well Capitalized Evansville, Indiana 2249.0 $24 million Well Capitalized

All of Asset Brief

See all...

Similar Credit Unions to Perfect Circle Credit Union

See all...
Workmen's Circle Incorporated Credit Union: Workmen's Circle Credit Union
Credit Union Branch: 527 Stephenson Avenue
Suite 2
Savannah, Georgia 31405 No ATM
Perfect Circle Credit Union: 77 S. 37th Street
Credit Union Branch: 77 S. 37th Street
Richmond, Indiana 47374 ATM Available
Perfect Circle Credit Union: 631 E. Main Street
Credit Union Branch: 631 E. Main Street
Hagerstown, Indiana 47346 ATM Available
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Perfect Circle Credit Union: 631 E. Main Street ATM
Credit Union ATM: 631 E. Main Street
Hagerstown, Indiana 47346
Perfect Circle Credit Union
Credit Union: Well Capitalized Hagerstown, Indiana 6441.0 $54 million Well Capitalized
Perfect Circle Credit Union: 2306 S. Memorial Drive ATM
Credit Union ATM: 2306 S. Memorial Drive
New Castle, Indiana 47362
Perfect Circle Credit Union: 2306 S. Memorial Drive
Credit Union Branch: 2306 S. Memorial Drive
New Castle, Indiana 47362 ATM Available
Perfect Circle Credit Union: 77 S. 37th Street ATM
Credit Union ATM: 77 S. 37th Street
Richmond, Indiana 47374
Anoka Hennepin Credit Union: Circle Pines Branch
Credit Union Branch: 4 S. Pine Drive
Circle Pines, Minnesota 55014 ATM Available