BlastPoint's Credit Union Scorecard
POWER ONE
Charter #620 · IN
POWER ONE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.1% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
- + AMR Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.61% below tier average
- - Efficiency ratio 29.85% above tier (higher cost structure)
- - Delinquency rate 1.53% above tier average
- - Member decline: -3.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,280
-3.7% YoY-0.7% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$18.2M
+5.8% YoY+1.8% QoQ
|
$-11.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$16.2M
+5.8% YoY+1.8% QoQ
|
+$443K |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$15.7M
+7.8% YoY+4.6% QoQ
|
$-10.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
-1.0%
-343.8% YoY-775.6% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.7% in tier |
| NIM |
4.9%
+4.7% YoY+1.7% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
112.4%
+21.4% YoY+16.6% QoQ
|
+29.8% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
3.1%
+139.6% YoY-2.1% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.5% in tier |
| Loan To Share |
103.3%
-1.8% YoY-2.7% QoQ
|
+42.7% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 3.2% in tier |
| AMR |
$24,915
+10.8% YoY+3.9% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 8.4% in tier |
| CD Concentration |
25.9%
+19.4% YoY+5.6% QoQ
|
+1.5% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)