BlastPoint's Credit Union Scorecard
POWERNET
Charter #68042 · FL
POWERNET has 8 strengths but faces 8 concerns
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 1.98% above tier average
- + Strong member growth: 16.4% YoY
- + Fee Income Per Member: Top 0.3% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Member Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Delinquency rate 0.39% above tier average
- - Total Members: Bottom 1.7% in tier
- - Total Loans: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,814
+16.4% YoY+18.3% QoQ
|
-11.3K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Bottom 1.6% in tier |
| Assets |
$125.2M
+10.1% YoY+7.5% QoQ
|
$-106.6M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$35.8M
+6.5% YoY+7.6% QoQ
|
$-108.3M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.8% in tier |
| Deposits |
$112.4M
+9.7% YoY+7.5% QoQ
|
$-88.7M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
2.7%
+232.6% YoY+285.7% QoQ
|
+2.0% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Top 0.7% in tier |
| NIM |
2.7%
+11.7% YoY+18.6% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
44.9%
-35.8% YoY-38.4% QoQ
|
-33.1% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.2%
+256.3% YoY+155.4% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
31.8%
-2.9% YoY+0.1% QoQ
|
-38.6% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.2% in tier |
| AMR |
$38,871
-6.5% YoY-9.1% QoQ
|
+$14K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Top 6.7% in tier |
| CD Concentration |
20.0%
+13.1% YoY-9.0% QoQ
|
-4.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)