BlastPoint's Credit Union Scorecard
POWER FINANCIAL
Charter #68445 · FL
POWER FINANCIAL has 10 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 23.2% in tier
- + Organic Growth Engine: Top 39.9% in tier
- + Wallet Share Momentum: Top 47.1% in tier
- + Organic Growth Leader: Top 59.3% in tier
- + ROA 0.27% above tier average
- + Deposit Growth Rate: Top 6.0% in tier
- + Total Assets: Top 6.0% in tier
- + Average Member Relationship (AMR): Top 6.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.1% in tier
- - Credit Risk Growth: Bottom 11.7% in tier
- - Margin Compression: Bottom 27.9% in tier
- - Cost Spiral: Bottom 64.4% in tier
- - Delinquency rate 2.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Members Per Employee (MPE): Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,274
+2.1% YoY+1.4% QoQ
|
-17.8K |
52,084
-1.6% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$977.0M
+12.4% YoY+3.4% QoQ
|
+$113.1M |
$863.9M
+0.5% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 6.8% in tier |
| Loans |
$709.1M
+6.8% YoY+2.3% QoQ
|
+$103.3M |
$605.8M
+1.4% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$797.9M
+13.4% YoY+4.3% QoQ
|
+$60.6M |
$737.3M
+0.1% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.0%
-21.2% YoY-8.3% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.3%
-8.7% YoY-4.3% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
67.7%
+8.1% YoY+1.0% QoQ
|
-6.7% |
74.3%
-3.6% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
3.6%
+905.7% YoY+85.2% QoQ
|
+2.7 |
0.9%
+3.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.9% in tier |
| Loan To Share |
88.9%
-5.8% YoY-1.9% QoQ
|
+6.3% |
82.6%
+1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$43,971
+8.0% YoY+2.0% QoQ
|
+$15K |
$28,873
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 7.7% in tier |
| CD Concentration |
26.2%
+52.6% YoY+6.5% QoQ
|
+1.8% | 24.4% | 24.1% | 19.8% | 56% |
| Indirect Auto % |
0.2%
-48.3% YoY-14.8% QoQ
|
-13.6% | 13.8% | 10.8% | 7.8% | 32% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)