PERFECT CIRCLE
Charter #68719 · Hagerstown, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.03% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.82% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.54% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 84th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PERFECT CIRCLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.84M | 36th pct | 36th pct |
| Members | 5,272 | 55th pct | 61th pct |
| Net worth ratio | 12.20% | 43th pct | 41th pct |
| Return on average assets | 0.77% | 54th pct | 54th pct |
| Net interest margin | 4.03% | 68th pct | 84th pct |
| Cost of funds | 0.63% | 30th pct | 30th pct |
| Loan-to-share | 40.36% | 14th pct | 25th pct |
| Delinquency 60+ days | 1.82% | 92th pct | 98th pct |
| Net charge-off ratio | 0.54% | 73th pct | 84th pct |
| Loan growth YoY | -2.36% | 40th pct | 44th pct |
| Share growth YoY | 0.95% | 27th pct | 23th pct |
| Efficiency ratio | 83.35% | 61th pct | 59th pct |
structural peer set hash: 14e1a218225cb8f593cfd2824483800e… (reproducible)
Closest structural peers
This is the free public view
Claim PERFECT CIRCLE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.