State credit union · Pembroke Pines, Florida · NCUA charter #68445
Power Financial
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $977.0M
- Total assets
- 34,274
- Members
- 14.7%
- Net-worth ratio
Power Financial scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $977.0M; members 34,274; net-worth ratio 14.66%; health rank #3,324 of 4,374; healthier than 23rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,324 of 4,374 health · 2025Q4Power Financial · health 74/100 · $977.0M · 2025Q4
- BOOK 74/100
- CHARTER 14.7%
- NCUSIF 3.57%
- CAMELS 1.14%
- HEALTH $977.0M
- NW 34,274
- DELQ #3,324/4,374
- ROA Golden Plains
- ASSETS 68445
Call Report peers
Power Financial in the assets neighbourhood
Power Financial's $977.0M assets sit next to Golden Plains ($977.2M) 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 Financial 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
74 23rd percentile higher than 23% 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 Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68445 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Power Financial diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +4.97 pp (88.87% vs 83.90%).
- Largest lag: Delinquency Rate at 3.57% vs peer 0.87% (+2.69 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Power Financial: in-state Call Report ranks
- Health composite ranks #94 of 109 among scored Florida credit unions.
- Florida assets place: #30 of 109.
- Member book place in Florida: #37 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Power Financial's 5300 filing moved
Power Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $977.0M (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted -0.30 pp (14.96% → 14.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 14.8 pts
Power Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.66% | +3.48 pp |
| Delinquency Rate | 3.57% | +2.69 pp |
| Return on Assets | 1.14% | +0.64 pp |
| Member Growth | 2.07% | - |
| Loan-to-Share Ratio | 88.87% | +4.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.04B | - |
| 2025Q4 | $977.0M | 34,274 |
| 2024Q4 | $869.4M | 33,579 |
| 2023Q4 | $878.5M | 33,442 |
Credit Union Details
- Charter Number
- 68445
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Pembroke Pines
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Power Financial, spread across 7 cities.
| Office | City |
|---|---|
| Main Headquarters/Sheridan Branch (Main Office) | Pembroke Pines, FL |
| Delray Beach Branch | Delray Beach, FL |
| Florida City Branch | Florida City, FL |
| Juno Branch | Juno Beach, FL |
| Kendall Town & Country Branch | Kendall, FL |
| North Shore Branch | Miami, FL |
| Plantation Branch | Plantation, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Power Financial
Cross-state asset and health neighbours for Power Financial - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($977.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Power Financial ranks #3,324 of 4,374 nationally on financial health and #94 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tropical Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tropical Financial
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Financial financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - Power Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,324 of 4,374; by total assets it ranks #475 of 4,374 nationally (same basis as /rankings/largest); and #30 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.66% net worth ratio and 3.57% delinquency rate are the key drivers.
How does Power Financial compare to other credit unions?
Power Financial scores 74/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Financial?
Membership eligibility for Power Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Power Financial directly for current membership requirements and application steps.
Is my money safe at Power Financial?
Federal credit unions like Power Financial 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 Financial's net worth ratio of 14.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Power Financial offer compared to banks?
Credit unions like Power Financial 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 Financial 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.