BlastPoint's Credit Union Scorecard

POWERNET

Charter #68042 · FL

100M-500M

1024 CUs in 100M-500M nationally 35 in FL

POWERNET has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.03% above tier average
+ Strong member growth: 17.7% YoY
+ Fee Income Per Member: Top 1.0% in tier
+ Member Growth Rate: Top 1.7% in tier
+ Efficiency Ratio: Top 3.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Delinquency rate 0.56% above tier average
- Total Members: Bottom 1.6% in tier
- Total Loans: Bottom 2.1% in tier
- Loan-to-Share Ratio: Bottom 2.5% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
Shares and deposits +8.9% year over year ($112M in shares and deposits).
Membership: 3,830 members, +17.7% vs a year ago.
Delinquency rate 1.44%.
Return on assets 1.89%.
Efficiency ratio 54.35% vs a 76.73% peer average.
Loan-to-share ratio 33.27% vs a 71.54% 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 (FL)	National Avg	Tier Percentile
Members	3,830 +17.7% YoY+0.4% QoQ	-11.3K	15,168 -2.6% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	Bottom 1.5% in tier
Assets	$125.3M +9.6% YoY+0.1% QoQ	$-106.7M	$232.0M +0.7% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	16%
Loans	$37.3M +14.2% YoY+4.3% QoQ	$-108.9M	$146.3M +0.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	Bottom 2.1% in tier
Deposits	$112.2M +8.9% YoY-0.2% QoQ	$-88.5M	$200.7M +0.2% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	19%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.9% +165.5% YoY-30.3% QoQ	+1.0%	0.9% +12.5% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	Top 4.6% in tier
NIM	2.8% +23.7% YoY+5.2% QoQ	-0.8%	3.7% +4.5% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	Bottom 8.5% in tier
Efficiency Ratio	54.4% -24.5% YoY+21.1% QoQ	-22.4%	76.7% -0.8% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	Top 3.8% in tier
Delinquency Rate	1.4% +151.6% YoY+23.9% QoQ	+0.6	0.9% +6.6% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	85%
Loan To Share	33.3% +4.8% YoY+4.5% QoQ	-38.3%	71.5% -0.3% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	Bottom 2.4% in tier
AMR	$39,055 -6.3% YoY+0.5% QoQ	+$14K	$25,107 +3.2% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Top 6.7% in tier
CD Concentration	20.3% -5.7% YoY+1.6% QoQ	-4.3%	24.6%	24.7%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	10.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#2 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 17.67%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.89%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#2 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.89%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 17.67%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Organic Growth Leader

growth

#9 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 17.67%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#7 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.17%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.87% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#59 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.87% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#36 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.34%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Wealth Migration Risk

decline

#7 of 13 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $39.1K

(Tier: $25.7K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -6.34%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

13 of 1024 Mid-Small & Community CUs have this signature | 24 nationally

↓ Shrinking -13 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $447.56

Peer Median: $159.88

#11 of 1024 Top 1.0% in 100M-500M tier

Member Growth Rate

growth

Value: 17.67%

Peer Median: -0.03%

#18 of 1024 Top 1.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.35%

Peer Median: 77.26%

#40 of 1024 Top 3.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.89%

Peer Median: 0.75%

#47 of 1024 Top 4.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,055

Peer Median: $23,006

#69 of 1024 Top 6.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.17%

Peer Median: 3.02%

#84 of 1024 Top 8.1% in 100M-500M tier

117

Asset Growth Rate

growth

Value: 9.62%

Peer Median: 4.12%

#117 of 1024 Top 11.3% in 100M-500M tier

131

Deposit Growth Rate

growth

Value: 8.95%

Peer Median: 3.58%

#131 of 1024 Top 12.7% in 100M-500M tier

174

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#174 of 1024 Top 16.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1009

Total Members

engagement

Value: 3,830

Peer Median: 13,128

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1003

Total Loans

balance_sheet

Value: $37.34M

Peer Median: $124.04M

#1003 of 1024 Bottom 2.1% in 100M-500M tier

999

Loan-to-Share Ratio

balance_sheet

Value: 33.27%

Peer Median: 73.07%

#999 of 1024 Bottom 2.5% in 100M-500M tier

994

AMR Growth Rate

growth

Value: -6.34%

Peer Median: 3.53%

#994 of 1024 Bottom 3.0% in 100M-500M tier

952

Members Per Employee (MPE)

engagement

Value: 212.778

Peer Median: 310.924

#952 of 1024 Bottom 7.1% in 100M-500M tier

937

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Median: 3.67%

#937 of 1024 Bottom 8.6% in 100M-500M tier

868

Total Delinquency Rate (60+ days)

risk

Value: 1.44%

Peer Median: 0.71%

#868 of 1024 Bottom 15.3% in 100M-500M tier

858

Total Assets

balance_sheet

Value: $125.32M

Peer Median: $196.38M

#858 of 1024 Bottom 16.3% in 100M-500M tier

832

Total Deposits

balance_sheet

Value: $112.24M

Peer Median: $170.77M

#832 of 1024 Bottom 18.8% in 100M-500M tier