This study examines the viability and performance of primary Agricultural Cooperative Credit Societies (PACCS) across Indian states using 2023 data. This analysis focuses on capital strength, credit expansion, recovery efficiency, outreach and inclusion, credit intensity per society, and alignment with agricultural dependency. States are grouped to identify structural disparities in performance. The findings reveal significant interstate variations in financial strength and operational efficiency. Southern and western states demonstrate stronger institutional capacity, while several agriculturally dependent states show credit gaps and higher overdue risks. The study highlights that recovery efficiency and institutional strength play a more decisive role than agricultural dependency alone. A regional comparison further confirms the uneven development of the Cooperative Credit structure. The paper suggests strengthening the recovery system, improving credit alignment, and expanding outreach to enhance PACCS's long-term viability in India.