BlastPoint's Credit Union Scorecard

POWER FINANCIAL

Charter #68445 · FL

Community 750M-1B

112 CUs in 750M-1B nationally 5 in FL

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POWER FINANCIAL has 9 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 20.4% in tier
+ Organic Growth Leader: Top 27.1% in tier
+ Relationship Depth Leader: Top 43.0% in tier
+ Wallet Share Momentum: Top 83.1% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.04% above tier average
+ Average Member Relationship (AMR): Top 6.2% in tier
+ Loan-to-Member Ratio (LMR): Top 6.2% in tier
+ Net Worth Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.7% in tier
- Credit Risk Growth: Bottom 5.7% in tier
- Margin Compression: Bottom 12.2% in tier
- Cost Spiral: Bottom 16.0% in tier
- Liquidity Strain: Bottom 29.3% in tier
- Delinquency rate 1.11% above tier average
- Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- Members Per Employee (MPE): Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	33,817 +1.1% YoY+1.4% QoQ	-18.3K	52,114 -2.1% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	Bottom 12.5% in tier
Assets	$945.1M +8.0% YoY+5.9% QoQ	+$86.1M	$859.0M +0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	85%
Loans	$693.0M +4.5% YoY+1.8% QoQ	+$89.6M	$603.4M +1.0% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	79%
Deposits	$764.9M +9.1% YoY+6.6% QoQ	+$30.7M	$734.2M +0.9% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	69%

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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	1.1% -16.5% YoY-8.6% QoQ	+0.4%	0.7% +27.6% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	76%
NIM	3.4% -4.1% YoY-2.7% QoQ	+0.0%	3.4% +9.6% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	67.0% +8.4% YoY+1.8% QoQ	-7.5%	74.5% -3.2% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	1.9% +499.8% YoY+359.7% QoQ	+1.1	0.8% +5.0% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	Top 5.4% in tier
Loan To Share	90.6% -4.1% YoY-4.5% QoQ	+7.9%	82.7% +0.1% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	66%
AMR	$43,110 +5.7% YoY+2.9% QoQ	+$14K	$28,651 +2.5% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	Top 7.1% in tier
CD Concentration	24.6% +55.8% YoY+31.4% QoQ	+0.2%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	51%
Indirect Auto %	0.2% -49.5% YoY-14.5% QoQ	-13.8%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	33%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#374 of 603 • Top 20.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.19%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#358 of 430 • Top 27.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.19%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth

#111 of 257 • Top 43.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#400 of 481 • Top 83.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#17 of 736 • Bottom 0.7% in tier

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

Why This Signature

Delinquency Change (YoY): 1.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#87 of 446 • Bottom 5.7% in tier

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

Why This Signature

Loan Growth (YoY): 4.54%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Margin Compression

decline

#52 of 136 • Bottom 12.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.32%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Cost Spiral

risk

#40 of 62 • Bottom 16.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.19% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 50.49%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 281 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Strain

risk

#228 of 258 • Bottom 29.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.60%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.54%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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 112 peers in tier

Top Strengths (11 metrics)

Average Member Relationship (AMR)

engagement

Value: $43,110

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,492

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Net Worth Ratio

risk

Value: 15.08%

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Avg: -

#14 of 112 Top 11.6% in 750M-1B tier

Total Assets

balance_sheet

Value: $945.11M

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Deposit Growth Rate

growth

Value: 9.05%

Peer Avg: -

#19 of 112 Top 16.1% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.19%

Peer Avg: -

#21 of 112 Top 17.9% in 750M-1B tier

Total Loans

balance_sheet

Value: $692.99M

Peer Avg: -

#24 of 112 Top 20.5% in 750M-1B tier

Asset Growth Rate

growth

Value: 8.01%

Peer Avg: -

#26 of 112 Top 22.3% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.10%

Peer Avg: -

#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (5 metrics)

107

Total Delinquency Rate (60+ days)

risk

Value: 1.93%

Peer Avg: -

#107 of 112 Bottom 5.4% in 750M-1B tier

107

Members Per Employee (MPE)

engagement

Value: 207.466

Peer Avg: -

#107 of 112 Bottom 5.4% in 750M-1B tier

101

Fee Income Per Member

profitability

Value: $121.03

Peer Avg: -

#101 of 112 Bottom 10.7% in 750M-1B tier

Total Members

engagement

Value: 33,817

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 48.94%

Peer Avg: -

#97 of 112 Bottom 14.3% in 750M-1B tier