Dec, 31, 2023 — PERFECT CIRCLE CREDIT UNION (PCCU) is a federally insured state chartered credit union headquartered in HAGERSTOWN, IN with 3 branch locations and about $61.84 million in total assets. Opened 92 years ago in 1932, PERFECT CIRCLE CREDIT UNION (PCCU) has about 5,612 members and employs 23 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: | 5,612 |
| 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, 2022 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $61,836,623 |
| CEO/Manager: | Joshua Haney |
| Chairperson: | Michele C Curry |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,553,224 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 9,397,862 |
| Unsecured Loans | 3,101,353 |
| Other Loans | 14,358,494 |
| TOTAL LOANS | 26,857,708 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -164,044 |
| Land And Building | 659,293 |
| Other Fixed Assets | 125,442 |
| NCUSIF Deposit | 583,761 |
| All Other Assets | 39,017 |
| TOTAL ASSETS | 61,836,623 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 124 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 809,678 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,445,373 |
| Regular shares | 28,814,689 |
| All Other Shares & Deposits | 11,844,404 |
| TOTAL SHARES & DEPOSITS | 56,104,465 |
| TOTAL LIABILITIES | 56,914,267 |
| Regular Reserve | 0 |
| Other Reserves | -2,099,927 |
| Undivided Earnings | 7,022,283 |
| TOTAL EQUITY | 4,922,356 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 61,836,623 |
| INCOME & EXPENSE | |
| Loan Income | 1,541,679 |
| Investment Income | 688,492 |
| Other Income | 496,118 |
| Total Employee Compensation & Benefits | 1,262,167 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 1,484,744 |
| Non-operating Income & (Expense) | -2,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 253,784 |
| Cost of Funds | 270,832 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 114,025 |
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