BlastPoint's Credit Union Scorecard
POWER ONE
Charter #620 · IN
POWER ONE has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 14.99% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -3.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,289
-3.9% YoY-1.0% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$17.9M
+4.0% YoY-2.5% QoQ
|
$-12.0M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$15.9M
+5.5% YoY+0.7% QoQ
|
+$153K |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$15.0M
+3.1% YoY-4.1% QoQ
|
$-10.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-64.2% YoY+38.7% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
4.8%
+5.2% YoY+3.0% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
96.4%
+4.3% YoY-0.8% QoQ
|
+15.0% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
3.2%
+156.8% YoY+105.2% QoQ
|
+1.6 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.3% in tier |
| Loan To Share |
106.2%
+2.3% YoY+5.0% QoQ
|
+45.0% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$23,980
+8.5% YoY-0.7% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 9.8% in tier |
| CD Concentration |
24.6%
+44.1% YoY+8.7% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)