POWER FINANCIAL

Charter #68445 | FL

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in FL

POWER FINANCIAL has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.3% in tier
  • + Wallet Share Momentum: Top 14.5% in tier
  • + Organic Growth Engine: Top 20.4% in tier
  • + Organic Growth Leader: Top 27.1% 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
  • - Growth-at-Risk: Bottom 5.7% in tier
  • - Margin Compression: Bottom 12.2% in tier
  • - Cost Spiral: Bottom 16.0% in tier
  • - Liquidity Overhang: Bottom 23.2% 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
 Top 15.2% in tier
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
 Top 21.4% in tier
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
 69th in tier
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
 Top 24.1% in tier
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
 52nd in tier
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
 Bottom 24.1% in tier
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
 66th in tier
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
 51st in tier
Indirect Auto % 0.2%
-49.5% YoY-14.5% QoQ
 -13.8% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#92 of 1006 • Top 3.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#400 of 1006 • Top 14.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

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: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.10%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (6)

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
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Margin Compression

decline
#52 of 136 • Bottom 12.2% in tier

Strong profitability track record but margins eroding. 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 Change (YoY): -0.22% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $945.11M
(Tier: $859.01M, National: $547.69M)
but better 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 now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $945.11M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
62 of 281 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#359 of 552 • Bottom 23.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.08%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.60%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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: 3.64%, 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)

Comparing against 112 peers in tier

Top Strengths (11 metrics)

8
Average Member Relationship (AMR)
engagement
Value: $43,110
Peer Avg: $28,651
#8 of 112 Top 6.2% in 750M-1B tier
8
Loan-to-Member Ratio (LMR)
engagement
Value: $20,492
Peer Avg: $12,810
#8 of 112 Top 6.2% in 750M-1B tier
12
Net Worth Ratio
risk
Value: 15.08%
Peer Avg: 11.52%
#12 of 112 Top 9.8% in 750M-1B tier
14
Net Charge-Off Rate
risk
Value: 0.19%
Peer Avg: 0.61%
#14 of 112 Top 11.6% in 750M-1B tier
17
Total Assets
balance_sheet
Value: $945.11M
Peer Avg: $859.01M
#17 of 112 Top 14.3% in 750M-1B tier
19
Deposit Growth Rate
growth
Value: 9.05%
Peer Avg: 5.03%
#19 of 112 Top 16.1% in 750M-1B tier
21
Indirect Auto Concentration (%)
balance_sheet
Value: 0.19%
Peer Avg: 16.60%
#21 of 112 Top 17.9% in 750M-1B tier
24
Total Loans
balance_sheet
Value: $692.99M
Peer Avg: $603.36M
#24 of 112 Top 20.5% in 750M-1B tier
26
Asset Growth Rate
growth
Value: 8.01%
Peer Avg: 4.25%
#26 of 112 Top 22.3% in 750M-1B tier
27
Return on Assets (ROA)
profitability
Value: 1.10%
Peer Avg: 0.71%
#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: 0.82%
#107 of 112 Bottom 5.4% in 750M-1B tier
107
Members Per Employee (MPE)
engagement
Value: 207.466
Peer Avg: 361.634
#107 of 112 Bottom 5.4% in 750M-1B tier
101
Fee Income Per Member
profitability
Value: $121.03
Peer Avg: $204.75
#101 of 112 Bottom 10.7% in 750M-1B tier
98
Total Members
engagement
Value: 33,817
Peer Avg: 52,114
#98 of 112 Bottom 13.4% in 750M-1B tier
97
First Mortgage Concentration (%)
balance_sheet
Value: 48.94%
Peer Avg: 33.64%
#97 of 112 Bottom 14.3% in 750M-1B tier