Side-by-side · Q2 2026 data
Wayne County Federal Credit Union vs Perfect Circle Credit Union
Credit union
Wayne County Federal Credit Union
Richmond, Indiana · Under $100 million in assets
Metric by metric
| Measure | Wayne County Federal Credit Union | Perfect Circle Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 65 |
| Capital cushion | 93 (stronger) | 78 |
| Loan quality | 100 (stronger) | 26 |
| Earnings | 53 | 56 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 87th | 30th |
| Total assets | $13.5M | $63.2M |
| Deposits / shares | $11.5M | $55.7M |
| Capital ratio | 14.28% (stronger) | 12.77% |
| Problem loans | 0.00% (stronger) | 2.21% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.82% | 0.90% (stronger) |
| Loans ÷ deposits | 41.6% | 40.2% (stronger) |
| Uninsured deposits | 0.1% (stronger) | 1.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wayne County Federal Credit Union has the higher TellerScore (89 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Wayne County 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.