BlastPoint's Credit Union Scorecard

POWER FINANCIAL

Charter #68445 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

POWER FINANCIAL has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 10.5% in tier
+ Wallet Share Momentum: Top 10.5% in tier
+ Organic Growth Engine: Top 37.9% in tier
+ Organic Growth Leader: Top 37.9% in tier
+ Emerging Performer: Top 47.5% in tier
+ Loan-to-Member Ratio (LMR): Top 4.9% in tier
+ Average Member Relationship (AMR): Top 5.2% in tier
+ Deposit Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.8% in tier
- Cost Spiral: Bottom 2.9% in tier
- Credit Risk Growth: Bottom 41.6% in tier
- Efficiency ratio 3.19% above tier (higher cost structure)
- Delinquency rate 2.30% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- Total Members: Bottom 2.3% in tier
- Members Per Employee (MPE): 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	34,736 +3.1% YoY+1.3% QoQ	-61.3K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Bottom 2.0% in tier
Assets	$1.0B +15.8% YoY+6.7% QoQ	$-677.8M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Bottom 3.9% in tier
Loans	$708.7M +7.0% YoY-0.1% QoQ	$-505.0M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Bottom 8.5% in tier
Deposits	$859.2M +17.8% YoY+7.7% QoQ	$-606.3M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Bottom 2.6% in tier

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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	0.7% -31.8% YoY-28.9% QoQ	+0.0%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	54%
NIM	2.9% -16.6% YoY-10.1% QoQ	-0.4%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	77.8% +16.0% YoY+15.0% QoQ	+3.2%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	3.1% +1265.9% YoY-14.4% QoQ	+2.3	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Bottom 2.0% in tier
Loan To Share	82.5% -9.2% YoY-7.2% QoQ	-0.7%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	41%
AMR	$45,138 +9.2% YoY+2.7% QoQ	+$15K	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Top 5.6% in tier
CD Concentration	26.1% +53.8% YoY-0.3% QoQ	-2.7%	28.8%	24.4%	19.8%	40%
Indirect Auto %	0.1% -49.6% YoY-17.1% QoQ	-17.9%	18.1%	10.8%	7.7%	Top 14.1% in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#15 of 64 • Top 10.5% 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): 9.24%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.8K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#40 of 125 • Top 10.5% in tier

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

Why This Signature

AMR Growth (YoY): 9.24%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Organic Growth Engine

growth

#55 of 115 • Top 37.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.13%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#63 of 116 • Top 37.9% in tier

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

Why This Signature

Member Growth (YoY): 3.13%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#54 of 79 • Top 47.5% 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: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 3.13%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#3 of 225 • Bottom 0.8% in tier

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

Why This Signature

Delinquency Change (YoY): 2.83% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#29 of 183 • Bottom 41.6% in tier

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

Why This Signature

Loan Growth (YoY): 6.97%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 2.83% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Cost Spiral

risk

#7 of 11 • Bottom 2.9% 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: 10.76% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 53.45%

(Tier: 53.09%, National: 64.04%)

worse than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (8 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,402

Peer Median: $12,733

#16 of 306 Top 4.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $45,138

Peer Median: $28,178

#17 of 306 Top 5.2% in 1B-3B tier

Deposit Growth Rate

growth

Value: 17.84%

Peer Median: 4.44%

#19 of 306 Top 5.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 15.85%

Peer Median: 4.82%

#20 of 306 Top 6.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.66%

Peer Median: 10.85%

#31 of 306 Top 9.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.24%

Peer Median: 3.15%

#34 of 306 Top 10.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.51%

#38 of 306 Top 12.1% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.13%

Peer Median: 13.86%

#49 of 306 Top 15.7% in 1B-3B tier

Top Weaknesses (9 metrics)

301

Total Delinquency Rate (60+ days)

risk

Value: 3.06%

Peer Median: 0.63%

#301 of 306 Bottom 2.0% in 1B-3B tier

300

Total Members

engagement

Value: 34,736

Peer Median: 85,918

#300 of 306 Bottom 2.3% in 1B-3B tier

300

Members Per Employee (MPE)

engagement

Value: 205.538

Peer Median: 345.077

#300 of 306 Bottom 2.3% in 1B-3B tier

298

Total Deposits

balance_sheet

Value: $859.21M

Peer Median: $1.31B

#298 of 306 Bottom 2.9% in 1B-3B tier

294

Total Assets

balance_sheet

Value: $1.04B

Peer Median: $1.51B

#294 of 306 Bottom 4.2% in 1B-3B tier

280

Total Loans

balance_sheet

Value: $708.70M

Peer Median: $1.11B

#280 of 306 Bottom 8.8% in 1B-3B tier

279

Fee Income Per Member

profitability

Value: $111.02

Peer Median: $191.54

#279 of 306 Bottom 9.2% in 1B-3B tier

266

First Mortgage Concentration (%)

balance_sheet

Value: 49.97%

Peer Median: 33.05%

#266 of 306 Bottom 13.4% in 1B-3B tier

245

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.37%

#245 of 306 Bottom 20.3% in 1B-3B tier