PERFECT CIRCLE CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.pccu.com for more information.
Sep, 30, 2025 — PERFECT CIRCLE CREDIT UNION is a non-federally insured state credit union headquartered in Hagerstown, IN with 3 branch locations and about $60.21 million in total assets. Opened 94 years ago in 1932, PERFECT CIRCLE CREDIT UNION has about 6,043 members and employs 22 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) | PO Box 29 Hagerstown, IN 47346 |
| Phone: | (765) 489-4571 |
| Fax: | (765) 489-5778 |
| Website: | https://www.pccu.com |
| Branches: | 3 branch locations |
| Members: | 6,043 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 82792 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1932 |
| Last Audited: | Dec 01, 2019 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $60,213,909 |
| CEO/Manager: | Lisa Dykhoff |
| Chairperson: | Clint F Hardin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,174,648 |
| TOTAL INVESTMENTS | 26,675,048 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 9,040,264 |
| Unsecured Loans | 4,091,913 |
| Other Loans | 15,849,354 |
| TOTAL LOANS | 28,981,531 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -133,004 |
| Land And Building | 798,070 |
| Other Fixed Assets | 290,560 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 1,427,056 |
| TOTAL ASSETS | 60,213,909 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 40 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 442,467 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 13,142,016 |
| Regular shares | 22,882,908 |
| All Other Shares & Deposits | 17,377,200 |
| TOTAL SHARES & DEPOSITS | 53,402,124 |
| TOTAL LIABILITIES | 53,844,631 |
| Regular Reserve | 3,081,225 |
| Other Reserves | 141,772 |
| Undivided Earnings | 3,146,281 |
| TOTAL EQUITY | 6,369,278 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 60,213,909 |
| INCOME & EXPENSE | |
| Loan Income | 1,347,961 |
| Investment Income | 321,355 |
| Other Income | 827,195 |
| Total Employee Compensation & Benefits | 1,069,501 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 963,287 |
| Non-operating Income & (Expense) | -28,575 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 76,995 |
| Cost of Funds | 209,489 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 148,664 |
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