# PERFECT CIRCLE
Hagerstown, IN · NCUA charter 82792 · asset band $50-100M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/perfect-circle-82792

Who the members are: state charter, organized 1932. 6,043 members of 90,000 potential (6.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.2M |
| Members | 6,043 (-2.3% YoY) |
| Full-time staff | 20 |
| Net worth | $6.2M |
| Net worth ratio | 10.3% (p46 of band) |
| ROA (annualized) | 0.33% (p42 of band) |
| Total delinquency | 0.89% (p74 of band) |
| Net charge-offs (annualized) | 0.37% (p65 of band) |
| Loans / shares | 54% (p38 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p76 of band) |
| Operating expense / assets | 4.50% (p88 of band) |
| Vehicles % of loans | 46% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p28 of band) |
| Vehicle delinquency | 1.13% (p85 of band) |
| Vehicle NCO | 0.56% (p71 of band) |
| Repossessed % of vehicle book | 0.18% (p92 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 13% |
| Average share balance | $4,333 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $9,973 |
| Loans granted, annualized | $14.3M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | expense trap |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | losing money | expense trap |
| 2017-06 | 2 | members leaving |  |
| 2017-09 | 2 | delinquency 2x band | losing money |
| 2017-12 | 2 | expense trap | delinquency 2x band |
| 2018-03 | 2 | losing money | members leaving |
| 2018-06 | 2 | delinquency 2x band | losing money |
| 2018-09 | 4 | assets shrinking, members leaving |  |
| 2018-12 | 2 |  | expense trap, assets shrinking |
| 2019-03 | 3 | expense trap, repo signal | delinquency 2x band |
| 2019-06 | 2 |  | repo signal |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | members leaving |
| 2020-06 | 1 | net worth falling | expense trap, delinquency 2x band |
| 2020-09 | 0 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-22 [Puscifer Setlists 2024 - JamBase](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1BaF9KaWZrUmlvdDR5SEp4cTlIenFKaExsZEtPR0Q1WDBEZTFLMC1CM29kb3Nqd0JQakhOTkpXQ0lVZTcxbE5XQ2Q1ajlSU0ozUGdsZmNhNnNEaE9GNUtFNg?oc=5) · JamBase
- 2022-04-03 [Josh Haney named President/CEO of Perfect Circle CU - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxNLVhCUFJocjFwdGExNk5WRDF5end0YTZHYVZoTjlRbUVyVG1Md1ZPMkVPOG9HakIySXRNY2V1RV9rejZaUXJsTno0ek5oNkU5TFU4OHlhTmtXOWRYcE1FTUVyS2xqOVBMZUZrSWc1VXh2a2xhc3dPaUVYZjZxaDlrMzhRVkVYa25UREFNT3p4dnJKUnQyYnJj?oc=5) · CUInsight
- 2026-06-03 [Toby Gordon Obituary (2026) - New Castle, IN - The Courier-Times - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSE84NWdOckVEeFJIVkJxNURKNjR5QzB5MGtkTkhwdTFIalVlOWwyV3FKc2Z4NlpnU09nOWRGakFHekVPWndyYU1RMExwWTV4WGFRWm1aMmMxSzJmekJ3OXBmMFlWOENXUEZud3JIVFJnOHpaSWR0NVpvTk5oNG9RWUZYRmxMT0tZR3FlbzhONjJJaTdf?oc=5) · legacy.com
- 2018-02-20 [Perfect Circle Credit Union creates field trip fund to support local schools - pal-item.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOa29lUFNaYXotWEktSXJYN1gtVG1PbUExQzBVRVB4b0VwcEJ1V0JCeG5sSDRqMlVUNzZCV3JsOVZpdXJteUU0SGxTelNYak44em1CMlRNUmY4WlZtZVUtdl90Z3cxcVN1STVDR21pUzRhZEo4WnJOSE84cW9mQWItclJxSVZ4OHNtcDFmR3NTZ080UXZJSjNLNHJLQzRkZHZJQVZpV3pnQ2t0eVNCNkZxeWlsVkU0T1QtTThWLWdrR3ZuQUlzSC16a3lGU3I2WmVES3hFQnIzRXE?oc=5) · pal-item.com
- 2023-10-04 [A PERFECT CIRCLE, PRIMUS, PUSCIFER expand 2024 Sessanta tour - Revolver Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRFlfY1lpQW5VMFppR0w4OWZPOXdVY3V2dHlQLUszVjdGd3V2cGFENTlWUUdqUmRkaDdsdVY4TERaZWNKdGt5SVF4cHlnUWVWQmJoWHFHZC10azVkS0I4VU5hSkpXTmliLTd6OXhPS0NDNXQ0NGpCcjdEUXBMcmE5QUdpUFYzRUF6WVdfako5elBOMC1zUnN3?oc=5) · Revolver Magazine
- 2024-03-21 [Primus, A Perfect Circle & Puscifer Announce EP of New Music - Bass Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZ0ZWS0lPLXFOUzVHekpJaHNDeTl5T3ZXZG9PSlJGWnhlcklvQ05uUFAwVnNxd05vNGg1OUdYMXN3eUlnbDNCMXhlVk9Kb1J2V1I0ZU44RVkyTVo1YnRkUl91elJYd0RhSURhWmlxVmRPMlM3aWdHOFlqYVEwYjQ4QU5jV1AwQi12aXk0?oc=5) · Bass Magazine
- 2024-03-21 [Puscifer, A Perfect Circle and Primus Announce Throuple 'Sessanta' EP - Knotfest](https://news.google.com/rss/articles/CBMingFBVV95cUxOTEhsM0hBemlvcXpRcXY4c0ozanBzVjE3TUlPWFVQOURfRngyYUgyN0ZULU9QX2FtYlRlc1M3QkdxeHgyLU5oZDYzYW84R0RncEs0QVZ1WXg4a3dmSUtQZTNXSlQ0VlBUQ3I1UGllNTlJYUZBQ1luN2REMGpUYmhMejd4Yk1NSXYxY1NiRHJTSkRMa1RPVEw0TTFYSnBvdw?oc=5) · Knotfest
- 2023-10-05 [UPDATE: Primus, A Perfect Circle, Puscifer Extend Joint Tour Celebrating Maynard James Keenan’s 60th Birthday [Video] - Live For Live Music](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOVnc5dmdvVjg0SG9rUFpzN01UMWhVd0ZHbDRlTndDNFJzNnZUMUFjR05OOUdtVlpmMkdIUUhBd0lyTTlqMk1nVFF6YW5tazNibmhhVV8ySHkwelVWZkxSeXFYSmFFOVpIc0lQNGRsazI2TDBuMDM3RldMblNtLVhjbXlJaHZJVUU2?oc=5) · Live For Live Music

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82792 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "82792", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=82792
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide