Federal credit union · Fort Wayne, Indiana · NCUA charter #620
Power One
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $18.2M
- Total assets
- 1,280
- Members
- 13.5%
- Net-worth ratio
Power One - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #620 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Power One - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)23
- Earnings (ROA)88
- Member growth16
- Liquidity (loan-to-share)62
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.51% | 30% |
| Delinquency Rate | 3.09% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | -3.69% | 15% |
| Loan-to-Share Ratio | 103.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.2M | 1,280 |
| 2024Q4 | $17.2M | 1,329 |
| 2023Q4 | $18.2M | 1,417 |
Credit Union Details
- Charter Number
- 620
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
What This Data Says About Power One
1,280 members and $18.2M in total assets sit behind Power One, a federal credit union in Fort Wayne, Indiana, which posts a health score of 61/100 (Good) on the five-factor composite, with $16.2M in outstanding loans as of Q4 2025 and a net worth ratio of 13.51% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #620 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 3.09% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 103.31% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.38% on net income of $70K 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 -3.69%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
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 One financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Power One carries a financial health score of 61/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.51% net worth ratio and a 3.09% delinquency rate.
How does Power One compare to other credit unions?
Five weighted metrics from NCUA filings produce Power One's 61/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 One?
Power One 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 Power One directly for the exact boundaries and application steps.
Is my money safe at Power One?
Federal credit unions like Power One 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 One's net worth ratio of 13.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Power One offer compared to banks?
Credit unions like Power One 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 One 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.