Perfect Circle
Hagerstown, IN · Charter 68719 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$63.2MAssets
$22.4MLoans
$55.7MShares
$8.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets (rank 545 of 1683).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets (rank 1476 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.90%
Rank 679 of 1,683
Net Interest Margin
4.16%
Rank 545 of 1,683
Efficiency Ratio
81.84%
Rank 1,025 of 1,682
Equity / Assets
12.77%
Rank 863 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 60% | 679 / 1,683 | | |
| Return on Equity | 7.06% | 2.67% | 5.89% | 8.74% | Beats 62% | 646 / 1,681 | | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 545 / 1,683 | | |
| Efficiency Ratio | 81.84% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,025 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.21% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,476 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 863 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 863 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.23% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,494 / 1,683 | | |
| Loans / Assets | 35.48% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,458 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |