# POWER ONE Fort Wayne, IN · NCUA charter 620 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/power-one-620 Who the members are: federal charter, multiple common bond, organized 1935. 1,285 members of 4,920 potential (26.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 112. **Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $19.6M | | Members | 1,285 (-13.6% YoY) | | Full-time staff | 5 | | Net worth | $2.5M | | Net worth ratio | 12.7% (p36 of band) | | ROA (annualized) | 0.44% (p43 of band) | | Total delinquency | 2.78% (p85 of band) | | Net charge-offs (annualized) | 0.00% (p37 of band) | | Loans / shares | 95% (p94 of band) | | Cash / assets | 16.2% | | Borrowings / assets | 0.00% | | Net interest margin | 4.76% (p81 of band) | | Operating expense / assets | 5.00% (p78 of band) | | Vehicles % of loans | 31% (p19 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 3.26% (p89 of band) | | Vehicle NCO | 0.00% (p35 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 44% | | Credit cards % of loans | 9% | | Unsecured % of loans | 18% | | Commercial % of net worth | 0% | | Core shares % of member funds | 69% | | Certificates % of member funds | 25% | | Average share balance | $6,258 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 112% | | Loans granted per 100 members, annualized | 12% | | Average loan balance | $11,242 | | Loans granted, annualized | $4.2M | ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) - **delinquency 2x band** (`aq_dq_high`) - **delinquency rising** (`aq_dq_rising`) - **members leaving** (`shrink_members`) - **loans>95% of shares** (`str_ltos`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 1 | charge-offs p90 | | | 2016-06 | 1 | losing money | charge-offs p90 | | 2016-09 | 1 | charge-offs p90 | losing money | | 2016-12 | 0 | | charge-offs p90 | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 2 | delinquency rising, members leaving | | | 2018-12 | 2 | | | | 2019-03 | 2 | | | | 2019-06 | 2 | | | | 2019-09 | 2 | | | | 2019-12 | 2 | | | | 2020-03 | 1 | | delinquency rising | | 2020-06 | 2 | net worth falling | | | 2020-09 | 2 | | | | 2020-12 | 2 | margin squeeze | net worth falling | | 2021-03 | 2 | | | | 2021-06 | 1 | | margin squeeze | | 2021-09 | 1 | | | | 2021-12 | 0 | | members leaving | | 2022-03 | 2 | net worth falling, delinquency rising | | | 2022-06 | 0 | | net worth falling, delinquency rising | | 2022-09 | 1 | leaning on borrowings | | | 2022-12 | 1 | loans>95% of shares | leaning on borrowings | | 2023-03 | 1 | delinquency rising | loans>95% of shares | | 2023-06 | 4 | assets shrinking, loans>95% of shares, leaning on borrowings | | | 2023-09 | 3 | | leaning on borrowings | | 2023-12 | 4 | leaning on borrowings | | | 2024-03 | 2 | | delinquency rising, leaning on borrowings | | 2024-06 | 4 | delinquency rising, members leaving | | | 2024-09 | 3 | | assets shrinking | | 2024-12 | 4 | assets shrinking | | | 2025-03 | 2 | | members leaving, assets shrinking | | 2025-06 | 5 | net worth falling, delinquency 2x band, members leaving | | | 2025-09 | 4 | | net worth falling | | 2025-12 | 6 | losing money, expense trap | | | 2026-03 | 5 | net worth falling | losing money, expense trap | ## In the news (Google News, unfiltered, newest first; 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Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide