Sep, 30, 2025 — PERFECT CIRCLE CREDIT UNION (PCCU) is a federally insured state chartered credit union headquartered in HAGERSTOWN, IN with 3 branch locations and about $63.90 million in total assets. Opened 94 years ago in 1932, PERFECT CIRCLE CREDIT UNION (PCCU) has about 5,347 members and employs 24 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PERFECT CIRCLE CREDIT UNION |
|---|---|
| Address: (Main Office) | 631 E Main St HAGERSTOWN, IN 47346 |
| Phone: | (765) 489-4571 |
| Fax: | (765) 489-5778 |
| Website: | https://www.pccu.com |
| Branches: | 3 branch locations |
| Members: | 5,347 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68719 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1932 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $63,903,933 |
| CEO/Manager: | Joshua Haney |
| Chairperson: | Tina Davis |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,449,375 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 9,277,666 |
| Unsecured Loans | 2,757,242 |
| Other Loans | 11,641,535 |
| TOTAL LOANS | 23,676,445 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -265,454 |
| Land And Building | 868,121 |
| Other Fixed Assets | 53,708 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 551,769 |
| All Other Assets | 6,685 |
| TOTAL ASSETS | 63,903,933 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,446 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 618,139 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,931,590 |
| Regular shares | 29,035,031 |
| All Other Shares & Deposits | 11,780,532 |
| TOTAL SHARES & DEPOSITS | 56,747,152 |
| TOTAL LIABILITIES | 57,367,737 |
| Regular Reserve | 0 |
| Other Reserves | -1,072,493 |
| Undivided Earnings | 7,608,689 |
| TOTAL EQUITY | 6,536,196 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 63,903,933 |
| INCOME & EXPENSE | |
| Loan Income | 1,270,226 |
| Investment Income | 804,323 |
| Other Income | 369,270 |
| Total Employee Compensation & Benefits | 1,005,569 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,193,186 |
| Non-operating Income & (Expense) | -4,685 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 83,962 |
| Cost of Funds | 325,939 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 329,848 |
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