State credit union · Pembroke Pines, Florida · NCUA charter #68445
Power Financial
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $977.0M
- Total assets
- 34,274
- Members
- 13.4%
- Net-worth ratio
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.
Power Financial - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)11
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.36% | 30% |
| Delinquency Rate | 3.57% | 25% |
| Return on Assets | 1.14% | 15% |
| Member Growth | 2.07% | 15% |
| Loan-to-Share Ratio | 88.87% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Power Financial
The five-factor composite scores Power Financial at 74/100 (Very Good), reflecting a net worth ratio of 13.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Pembroke Pines, Florida, reports 34,274 members, $977.0M in total assets, and $709.1M in outstanding loans as of Q4 2025 under charter #68445 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
3.57% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 88.87% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.14% on net income of $11.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.07%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.36% 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 13.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.