# POWER
Pueblo, CO · NCUA charter 64037 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/power-64037

Who the members are: state charter, organized 1938, low-income designated. 14,567 members of 116,000 potential (12.6% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $156.0M |
| Members | 14,567 (18.8% YoY) |
| Full-time staff | 48 |
| Net worth | $17.5M |
| Net worth ratio | 11.2% (p43 of band) |
| ROA (annualized) | 0.06% (p11 of band) |
| Total delinquency | 1.69% (p90 of band) |
| Net charge-offs (annualized) | 1.20% (p92 of band) |
| Loans / shares | 52% (p19 of band) |
| Cash / assets | 32.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p50 of band) |
| Operating expense / assets | 4.24% (p70 of band) |
| Vehicles % of loans | 37% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 81% (p66 of band) |
| Vehicle delinquency | 1.77% (p88 of band) |
| Vehicle NCO | 2.40% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 26% |
| Average share balance | $4,705 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.3M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $9,289 |
| Loans granted, annualized | $18.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.3M outstanding purchased (41.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 30.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | margin squeeze, loan book shrinking |  |
| 2021-03 | 3 |  | loan book shrinking |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 2 |  | losing money |
| 2022-09 | 3 | repo signal |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 4 | charge-offs p90 |  |
| 2023-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 3 |  | assets shrinking, charge-offs p90, delinquency 2x band |
| 2024-06 | 3 | delinquency 2x band | repo signal |
| 2024-09 | 2 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2024-12 | 2 | delinquency 2x band | charge-offs p90 |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 4 | charge-offs p90 |  |
| 2025-09 | 3 | members leaving | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 3 | net worth falling | delinquency rising, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-19 [Power Credit Union welcomes two new leaders to its leadership team - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZkZhazM4dTBYTmFpTDJZWHNkVmxqZFRjTUlDZFdOU3NNZl8zbnNIaGlaRG9OS0JpdWwtRV8wNlNDUDJzaUxCNkR4YXBOYXpMMlVZeWpBcEEyXzRtZnlQcHBHQUswNTdTZFlsV05hRVNBcV91eWEwLWN1YkZRY2diY3ZwaXY1MHh2am5IQmVINXBzRVVBWS10dXpZaGd2U3h4QWtIVjcya29BeFU?oc=5) · CUInsight
- 2026-01-20 [A New Loan Product Is Helping Power Brooklyn’s Co-ops - Next City](https://news.google.com/rss/articles/CBMijwFBVV95cUxOWkZ2M21VMV9YaThLOF9PZ0tqOEZjdlExbmdROEZZbXgySTNEMjZJSjl3S2pxZ0luVTBiZDJBUEQyWEZFLWpxVW5PYWFYWmkyWlpySnRrdDFNNWhrZE1OZ2F6c0N2bUd5WmNoSTlxMlBuU2U4Qmw1d3Y0Yk56VFJ3cTRKbjRVMldhS2ZReGktUQ?oc=5) · Next City
- 2026-08-24 [AERO SERVICES CREDIT UNION SELECTS SMART SOLUTION’S UNIVERSA® PLATFORM TO ADVANCE AND POWER ITS DIGITAL TRANSFORMATION - einnews.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPXzhFczhmelFoYThyaHhPSFFNcXNBSF9PejMyeTRoT1prbHpvM0FHSUxWdUg0RnBQNkdqVVhzNi1UMVJ4RGtLUjZPeW9jQzNKZV9VdFI1OGwzTklPWVplZ0lTdWM4RXRzbGIwY2FVUmxWUXFGTjl4MG93dUdKeWhnOW5LUzJNejJKVW5TR2JjejdTRktaN3hfY0l3QU05R0w3Wm02MnNiQnp1UGpXdzgwcW9vekl5emxJLTlKZWRfaGhzWXhoczNhclg3RllJdE5pQnNkbmd5V1Vlakl1N04yRGRKZTduYTJYRXM2aWMyeW0?oc=5) · einnews.com
- 2026-07-10 [Struggling to Grow - Florida Trend](https://news.google.com/rss/articles/CBMic0FVX3lxTE9fVzc1SklWYUNWamFBc09HU3JzNjBDbzRwRWg5SG4tQ3I2WGFqUzNSM0R0eFRmdmpwN3Y5cDFGYkJDRk4xNXZNUEJZYU8yV0M4b2ZpWGZZcXcwSGR5dGlzaTlYWms4b1V2cFZZRGxES1lneFk?oc=5) · Florida Trend
- 2026-04-16 [Prattville Community Job Fair to be Held on April 23 - Alabama Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiT0FVX3lxTE9IUEpxekZzQVVIazNhMTRwb2lJY2VQdGR4OXZRQzhsd0xvSXpfZFRHOHBDVzFUYkJrazBaQzlzNlVWbjY2N084ay0yZnpJem8?oc=5) · Alabama Department of Labor (.gov)
- 2026-09-02 [First Financial donates $38,664 to Boys & Girls Clubs of Carroll County's Power Hour program to support local students - CUInsight](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOV3F0aU5FQlUwT3BrM1Eya3pXWjh2WTFEcU1lOTdyNWtYdlFsaklxWlhTOWJSZXlieUJJakN0RWtfR2FKM1BiRkhDWmlzZUw2c3JMVkJ1M2xXOEJXallPN0czWUZBSUJVbVJFVTkydHRHc1kzU2cta2k5MWFkdkw2M0QtTkIxUHVhZi1yNEE4S1RtamtvZ1F0dDdXeU1yZGY3NWROSnJBbEoxUHF4dFVMcDNVYVVOMlgydUJ4d19hc1NCd0l3ck9vSVZGN2UwZzF4NVRSTnhoSWJHajRmWEVTdzdEZEFBdXUxR3c?oc=5) · CUInsight
- 2026-07-30 [Delfi Joins the Circuit Accelerator Program to Bring Agentic AI to Credit Union Balance Sheets - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNLVh6akVvNVZoR1NweURka2dOTGFwemo3SHRMN2xtenJHWEF6ay01LWV0MUx3cmxleEpCZ1pHZ1k0LUNOVm1fWXZNeDdpVDd6RnlPdTJ6M09TM2FNZVBfbHFfTnJ5Y1lheFo4bnVoVHM2WVhSN0hpZE5teVlTZ0M2czlFM0Qxbks2b1h1VVZlTDZ5NTFlYk1PNHg4QnVVOThmMGVqcFlQX1VnRXVCRlJOQmpMMGkxMi13cWwyakx2enAwRkV1MER6aE9IeXV6Um95YTdhRHNIZExoS0ctSEtEMDRhOUVLZw?oc=5) · Business Wire
- 2026-03-27 [Power 100: Sacramento region's top leaders in banking, finance - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWVdJaVJ1U2RsZlY5ZkxiUHFIWFQ1M2VFWERWX21aeHRBYkhoTFNLbXVZUVhaVnk0OUlzcVNWWkM1UmJ1TDRycFR0VEFEQWRqY3hpcVFXM0xGM2dHbXpscmtzVVdqMHg1X3VCSDlzcWhvckVaejZGaGpSenpWX0s2YnJwbFA1VHhzSFBtVnIybUIySWZD?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64037 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "64037", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64037
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide