Side-by-side · Q2 2026 data
Eastern Indiana Federal Credit Union vs Perfect Circle Credit Union
Credit union
Eastern Indiana Federal Credit Union
New Castle, Indiana · Under $100 million in assets
Metric by metric
| Measure | Eastern Indiana Federal Credit Union | Perfect Circle Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 85 (stronger) | 78 |
| Loan quality | 65 (stronger) | 26 |
| Earnings | 89 (stronger) | 56 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 75th | 30th |
| Total assets | $44.4M | $63.2M |
| Deposits / shares | $38.2M | $55.7M |
| Capital ratio | 13.49% (stronger) | 12.77% |
| Problem loans | 1.05% (stronger) | 2.21% |
| Net charge-offs | 0.44% | 0.42% (stronger) |
| Return on assets | 1.72% (stronger) | 0.90% |
| Loans ÷ deposits | 53.6% | 40.2% (stronger) |
| Uninsured deposits | 1.3% | 1.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eastern Indiana Federal Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Eastern Indiana Federal Credit Union leads on 4 and Perfect Circle Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.