BlastPoint's Credit Union Scorecard
POWER ONE
Charter #620 · IN
POWER ONE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 2.68% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Member decline: -2.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +7.2% year over year ($16.7M in shares and deposits).
- Membership: 1,269 members, -2.5% vs a year ago.
- Delinquency rate 1.77%.
- Return on assets 0.48%.
- Efficiency ratio 91.45% vs a 88.77% peer average.
- Loan-to-share ratio 98.76% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,269
-2.5% YoY-1.2% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$19.4M
+5.4% YoY-1.2% QoQ
|
$-10.9M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$16.5M
+4.6% YoY+2.2% QoQ
|
+$1.1M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$16.7M
+7.2% YoY-1.6% QoQ
|
$-9.1M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
48% |
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 |
0.5%
+356.9% YoY+9.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.9%
+5.7% YoY+2.9% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
91.4%
-5.9% YoY-0.5% QoQ
|
+2.7% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
1.8%
+15.3% YoY-36.3% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
98.8%
-2.4% YoY+3.9% QoQ
|
+39.9% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 3.7% in tier |
| AMR |
$26,232
+8.7% YoY+1.5% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 7.2% in tier |
| CD Concentration |
26.2%
+15.8% YoY+3.9% QoQ
|
+1.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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)