Federal credit union · BEAR, Delaware · NCUA charter #15185
Community Powered
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $142.3M
- Total assets
- 11,264
- Members
- 16.5%
- Net-worth ratio
Community Powered scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $142.3M; members 11,264; net-worth ratio 16.48%; health rank #899 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#899 of 4,374 health · 2025Q4Community Powered · health 91/100 · $142.3M · 2025Q4
- MEM 91/100
- RANK 16.5%
- PHOTO 0.91%
- BOOK 1.15%
- CHARTER $142.3M
- NCUSIF 11,264
- CAMELS #899/4,374
- HEALTH Metrowest Community
- NW 15185
Call Report peers
Community Powered in the assets neighbourhood
Community Powered's $142.3M assets sit next to Metrowest Community ($142.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community Powered vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Community Powered - Share Insurance Coverage
Charter #15185's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Community Powered vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 16.48% here, 12.11% peer average (+4.37 pp).
- Largest lag: Loan-to-Share Ratio at 45.51% vs peer 72.20% (-26.69 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Community Powered in Delaware
- Health composite ranks #2 of 15 among scored Delaware credit unions.
- By total assets, Community Powered is #6 of 15 in Delaware.
- Member book place in Delaware: #6 of 15.
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community Powered's 5300 filing moved
Community Powered: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $142.3M (2025Q4) to $145.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (16.58% → 16.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.1 pts
Community Powered vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.48% | +4.37 pp |
| Delinquency Rate | 0.91% | +0.01 pp |
| Return on Assets | 1.15% | +0.53 pp |
| Member Growth | 29.50% | - |
| Loan-to-Share Ratio | 45.51% | -26.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Community Powered quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $145.5M | - |
| 2025Q4 | $142.3M | 11,264 |
| 2024Q4 | $119.6M | 8,698 |
| 2023Q4 | $120.9M | 8,131 |
Credit Union Details
- Charter Number
- 15185
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Delaware
- City
- BEAR
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Community Powered runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Bear Branch (Main Office) | Bear, DE |
| New Castle Branch | New Castle, DE |
| Minquadale Branch | New Castle, DE |
| Price's Corner Branch | Wilmington, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
A look at other Delaware credit unions, ranked by how closely their peer group and asset size match this one.
Community Powered nationwide neighbourhoods
Community Powered's nationwide photo peers by assets and by health score, excluding Delaware charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($142.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Community Powered ranks #899 of 4,374 nationally on financial health and #2 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Delaware State Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Delaware State Police
- Rates and health both vary by institution, not just by state -- see how Delaware credit unions compare overall before assuming this one is typical. Delaware state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Community Powered financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Community Powered carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #899 of 4,374; by total assets it ranks #1,532 of 4,374 nationally (same basis as /rankings/largest); and #6 of 15 within Delaware. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.48% net worth ratio and a 0.91% delinquency rate.
How does Community Powered compare to other credit unions?
Five weighted metrics from NCUA filings produce Community Powered's 91/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Community Powered?
Community Powered operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Community Powered directly for the exact boundaries and application steps.
Is my money safe at Community Powered?
Federal credit unions like Community Powered are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Community Powered's net worth ratio of 16.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Powered offer compared to banks?
Credit unions like Community Powered are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Community Powered directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.