BlastPoint's Credit Union Scorecard
PERFECT CIRCLE
Charter #68719 · IN
PERFECT CIRCLE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Fee Income Per Member: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Delinquency rate 0.66% above tier average
- - Member decline: -2.7% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -4.7% year over year ($55.7M in shares and deposits).
- Membership: 5,237 members, -2.7% vs a year ago.
- Delinquency rate 2.21%.
- Return on assets 0.89%.
- Efficiency ratio 81.82% vs a 88.77% peer average.
- Loan-to-share ratio 40.23% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,237
-2.7% YoY-0.7% QoQ
|
+2.7K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 11.9% in tier |
| Assets |
$63.2M
-3.2% YoY-2.6% QoQ
|
+$32.9M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$22.4M
-8.2% YoY-3.0% QoQ
|
+$7.0M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$55.7M
-4.7% YoY-2.7% QoQ
|
+$29.9M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.9%
+62.3% YoY+16.5% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
4.1%
+19.5% YoY+2.4% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
81.8%
-4.3% YoY-1.8% QoQ
|
-6.9% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
2.2%
+15.8% YoY+21.1% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
40.2%
-3.6% YoY-0.3% QoQ
|
-18.7% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$14,919
-3.2% YoY-2.2% QoQ
|
$-43 |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
10.1%
-9.3% YoY+1.8% QoQ
|
-14.5% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)