State credit union · Pueblo, Colorado · NCUA charter #64037
POWER
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $125.5M
- Total assets
- 11,695
- Members
- 11.2%
- Net-worth ratio
POWER scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.5M; members 11,695; net-worth ratio 11.23%; health rank #3,875 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,875 of 4,374 health · 2025Q4POWER · health 65/100 · $125.5M · 2025Q4
- MEM 65/100
- RANK 11.2%
- PHOTO 2.86%
- BOOK 0.68%
- CHARTER $125.5M
- NCUSIF 11,695
- CAMELS #3,875/4,374
- HEALTH CARO
- NW 64037
Call Report peers
POWER in the assets neighbourhood
POWER's $125.5M assets sit next to CARO ($125.8M) 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.
POWER 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
65 11th percentile higher than 11% 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
POWER - Share Insurance Coverage
Charter #64037'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.
Where POWER diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.06 pp (0.68% vs 0.62%).
- Largest lag: Loan-to-Share Ratio at 53.96% vs peer 72.20% (-18.24 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
POWER: in-state Call Report ranks
- Health composite ranks #56 of 66 among scored Colorado credit unions.
- Assets rank #32 of 66 inside Colorado ($125.5M reported).
- Membership ranks #23 of 66 among Colorado CUs with a reported count (11,695 members).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for POWER
POWER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +24.3% from $125.5M (2025Q4) to $156.0M (2026Q1).
- Net-worth ratio shifted -1.15 pp (12.38% → 11.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.1 pts
- Return on Assets 15.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 11.9 pts
POWER health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.23% | -0.88 pp |
| Delinquency Rate | 2.86% | +1.97 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -4.43% | - |
| Loan-to-Share Ratio | 53.96% | -18.24 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).
Call Report history - POWER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.0M | - |
| 2025Q4 | $125.5M | 11,695 |
| 2024Q4 | $116.6M | 12,237 |
| 2023Q4 | $115.1M | 12,468 |
Credit Union Details
- Charter Number
- 64037
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Pueblo
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, POWER runs 7 offices in 7 different cities.
| Office | City |
|---|---|
| PCU-Main (Main Office) | Pueblo, CO |
| PCU - Alamosa | Alamosa, CO |
| PCU - Buena Vista | Buena Vista, CO |
| PCU-Canon City | Canon City, CO |
| PCU-Pueblo West | Pueblo West, CO |
| PCU - Salida | Salida, CO |
| PCU-Trinidad | Trinidad, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for POWER - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($125.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- POWER ranks #3,875 of 4,374 nationally on financial health and #56 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Horizons North is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Horizons North
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 POWER financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, POWER carries a financial health score of 65/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,875 of 4,374; by total assets it ranks #1,640 of 4,374 nationally (same basis as /rankings/largest); and #32 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.23% net worth ratio and a 2.86% delinquency rate.
How does POWER compare to other credit unions?
Five weighted metrics from NCUA filings produce POWER's 65/100 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 POWER?
Membership eligibility for POWER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact POWER directly for current membership requirements and application steps.
Is my money safe at POWER?
Federal credit unions like POWER 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. POWER's net worth ratio of 11.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does POWER offer compared to banks?
Credit unions like POWER 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 POWER 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.