State credit union · Humboldt, Iowa · NCUA charter #61920
Power Co-Op Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $80.9M
- Total assets
- 2,841
- Members
- 13.6%
- Net-worth ratio
Power Co-Op Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.9M; members 2,841; net-worth ratio 13.63%; health rank #1,942 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,942 of 4,374 health · 2025Q4Power Co-Op Employees · health 85/100 · $80.9M · 2025Q4
- DELQ 85/100
- ROA 13.6%
- ASSETS 1.41%
- MEM 1.02%
- RANK $80.9M
- PHOTO 2,841
- BOOK #1,942/4,374
- CHARTER WESTPORT
- NCUSIF 61920
Call Report peers
Power Co-Op Employees in the assets neighbourhood
Power Co-Op Employees's $80.9M assets sit next to WESTPORT ($80.9M) 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 Co-Op Employees 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
85 Top 46% higher than 54% 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 Co-Op Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61920 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Power Co-Op Employees diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +16.40 pp (79.00% vs 62.60%).
- Widest shortfall vs peers is Delinquency Rate: +0.44 pp (1.41% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Power Co-Op Employees sits in Iowa
- Health composite ranks #39 of 66 among scored Iowa credit unions.
- Assets rank #34 of 66 inside Iowa ($80.9M reported).
- Member book place in Iowa: #44 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Power Co-Op Employees Call Report trajectory
Power Co-Op Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $80.9M (2025Q4) to $83.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (13.79% → 13.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.63% | +0.01 pp |
| Delinquency Rate | 1.41% | +0.44 pp |
| Return on Assets | 1.02% | +0.37 pp |
| Member Growth | -0.49% | - |
| Loan-to-Share Ratio | 79.00% | +16.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Power Co-Op Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $83.6M | - |
| 2025Q4 | $80.9M | 2,841 |
| 2024Q4 | $70.3M | 2,855 |
| 2023Q4 | $63.8M | 2,401 |
Credit Union Details
- Charter Number
- 61920
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Humboldt
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Power Co-Op Employees runs one office.
| Office | City |
|---|---|
| Power Co-op Employees CU (Main Office) | Humboldt, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Power Co-Op Employees - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Power Co-Op Employees ranks #1,942 of 4,374 nationally on financial health and #39 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Des Moines Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Des Moines Metro
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Co-Op Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Power Co-Op Employees carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,942 of 4,374; by total assets it ranks #2,007 of 4,374 nationally (same basis as /rankings/largest); and #34 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.63% net worth ratio and a 1.41% delinquency rate.
How does Power Co-Op Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Power Co-Op Employees's 85/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Co-Op Employees?
Membership eligibility for Power Co-Op Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Power Co-Op Employees directly for current membership requirements and application steps.
Is my money safe at Power Co-Op Employees?
Federal credit unions like Power Co-Op Employees 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 Co-Op Employees's net worth ratio of 13.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Power Co-Op Employees offer compared to banks?
Credit unions like Power Co-Op Employees 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 Co-Op Employees 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.