Federal credit union · Fort Wayne, Indiana · NCUA charter #620
Power One
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $18.2M
- Total assets
- 1,280
- Members
- 12.7%
- Net-worth ratio
Power One scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.2M; members 1,280; net-worth ratio 12.68%; health rank #4,025 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,025 of 4,374 health · 2025Q4Power One · health 61/100 · $18.2M · 2025Q4
- PHOTO 61/100
- BOOK 12.7%
- CHARTER 3.09%
- NCUSIF 0.38%
- CAMELS $18.2M
- HEALTH 1,280
- NW #4,025/4,374
- DELQ Fayette Federal Employees
- ROA 620
Call Report peers
Power One in the assets neighbourhood
Power One's $18.2M assets sit next to Fayette Federal Employees ($18.3M) 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 One 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
61 8th percentile higher than 8% 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 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.
Where Power One diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +43.51 pp (103.31% vs 59.80%).
- Net Worth Ratio trails the peer set - 12.68% here, 14.86% peer average (-2.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Power One sits in Indiana
- Health composite ranks #113 of 124 among scored Indiana credit unions.
- Indiana assets place: #97 of 124.
- Indiana membership ordinal: #103 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Power One: 2025Q4 → 2026Q1
Power One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.5% from $18.2M (2025Q4) to $19.6M (2026Q1).
- Net-worth ratio shifted -0.83 pp (13.51% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.7 pts
- Return on Assets 13.2 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 9.7 pts
Power One health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | -2.18 pp |
| Delinquency Rate | 3.09% | +1.94 pp |
| Return on Assets | 0.38% | -0.32 pp |
| Member Growth | -3.69% | - |
| Loan-to-Share Ratio | 103.31% | +43.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.6M | - |
| 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
Branch Locations (5)
Per its most recent NCUA branch filing, Power One runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Power One Federal Credit Union (Main Office) | Fort Wayne, IN |
| Fire-Police FCU | New Haven, IN |
| Rockport Branch | Rockport, IN |
| Vital Records Center | Stevensville, MI |
| Stevensville Office | Stevensville, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for Power One
Power One's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- Power One ranks #4,025 of 4,374 nationally on financial health and #113 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson Community
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,025 of 4,374; by total assets it ranks #3,201 of 4,374 nationally (same basis as /rankings/largest); and #97 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.68% 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 12.68% 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.
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.