BlastPoint's Credit Union Scorecard
POWER FINANCIAL
Charter #68445 · FL
POWER FINANCIAL has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.6% in tier
- + Wallet Share Momentum: Top 12.6% in tier
- + Organic Growth Engine: Top 33.6% in tier
- + Organic Growth Leader: Top 33.6% in tier
- + Emerging Performer: Top 49.3% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.3% in tier
- - Cost Spiral: Bottom 1.9% in tier
- - Credit Risk Growth: Bottom 48.4% in tier
- - Margin Compression: Bottom 49.3% in tier
- - Efficiency ratio 3.54% above tier (higher cost structure)
- - Delinquency rate 2.49% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Members Per Employee (MPE): Bottom 2.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +18.8% year over year ($852M in shares and deposits).
- Membership: 34,561 members, +3.6% vs a year ago.
- Delinquency rate 3.35%.
- Return on assets 0.80%.
- Efficiency ratio 76.56% vs a 73.02% peer average.
- Loan-to-share ratio 84.68% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,561
+3.6% YoY-0.5% QoQ
|
-62.3K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Bottom 2.0% in tier |
| Assets |
$1.0B
+15.6% YoY-1.0% QoQ
|
$-692.6M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.0% in tier |
| Loans |
$721.8M
+6.1% YoY+1.9% QoQ
|
$-512.4M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.3% in tier |
| Deposits |
$852.5M
+18.8% YoY-0.8% QoQ
|
$-610.9M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.8%
-33.3% YoY+11.8% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.0%
-14.4% YoY+2.3% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
76.6%
+16.3% YoY-1.6% QoQ
|
+3.5% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
3.4%
+699.4% YoY+9.7% QoQ
|
+2.5 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
84.7%
-10.8% YoY+2.7% QoQ
|
+0.0% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$45,551
+8.7% YoY+0.9% QoQ
|
+$16K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 5.3% in tier |
| CD Concentration |
26.7%
+42.7% YoY+2.3% QoQ
|
-2.4% | 29.1% | 24.7% | 20.0% | 41% |
| Indirect Auto % |
0.1%
-43.7% YoY-6.9% QoQ
|
-18.0% | 18.1% | 10.8% | 7.7% | Top 13.1% in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)