BlastPoint's Credit Union Scorecard
POWERNET
Charter #68042 · FL
POWERNET has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.06% below tier average
- - Member decline: -2.5% YoY
- - Total Members: Bottom 0.8% in tier
- - Total Loans: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Members Per Employee (MPE): Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,224
-2.5% YoY+0.2% QoQ
|
-12.2K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.7% in tier |
| Assets |
$116.4M
+3.3% YoY-0.5% QoQ
|
$-115.4M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.8% in tier |
| Loans |
$33.3M
-0.2% YoY+1.3% QoQ
|
$-114.1M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.5% in tier |
| Deposits |
$104.6M
+2.8% YoY-0.9% QoQ
|
$-96.2M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.7%
+60.9% YoY+0.3% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.3%
+12.5% YoY-0.0% QoQ
|
-1.3% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
72.9%
-8.9% YoY+0.5% QoQ
|
-4.2% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-16.1% YoY-60.9% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
31.8%
-3.0% YoY+2.2% QoQ
|
-40.4% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$42,781
+4.7% YoY-0.6% QoQ
|
+$18K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 4.7% in tier |
| CD Concentration |
22.0%
-0.2% YoY-0.4% QoQ
|
-2.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)