Side-by-side · Q2 2026 data
One Vision Federal Credit Union vs Perfect Circle Credit Union
Credit union
One Vision Federal Credit Union
Clarksville, Indiana · Under $100 million in assets
Metric by metric
| Measure | One Vision Federal Credit Union | Perfect Circle Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 78 | 78 |
| Loan quality | 78 (stronger) | 26 |
| Earnings | 48 | 56 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 57th | 30th |
| Total assets | $65.2M | $63.2M |
| Deposits / shares | $57.0M | $55.7M |
| Capital ratio | 12.78% (stronger) | 12.77% |
| Problem loans | 0.67% (stronger) | 2.21% |
| Net charge-offs | 0.20% (stronger) | 0.42% |
| Return on assets | 0.71% | 0.90% (stronger) |
| Loans ÷ deposits | 38.0% (stronger) | 40.2% |
| Uninsured deposits | 6.6% | 1.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
One Vision Federal Credit Union has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), One Vision Federal Credit Union leads on 5 and Perfect Circle Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.