# POWER FINANCIAL
Pembroke Pines, FL · NCUA charter 68445 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/power-financial-68445

Who the members are: state charter, organized 1951, low-income designated. 34,736 members of 6,183,199 potential (0.6% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.04B |
| Members | 34,736 (3.1% YoY) |
| Full-time staff | 168 |
| Net worth | $137.9M |
| Net worth ratio | 13.2% (p84 of band) |
| ROA (annualized) | 0.72% (p51 of band) |
| Total delinquency | 3.06% (p99 of band) |
| Net charge-offs (annualized) | 0.18% (p13 of band) |
| Loans / shares | 82% (p38 of band) |
| Cash / assets | 17.1% |
| Borrowings / assets | 4.32% |
| Net interest margin | 2.94% (p24 of band) |
| Operating expense / assets | 2.58% (p19 of band) |
| Vehicles % of loans | 7% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 21% (p17 of band) |
| Vehicle delinquency | 0.19% (p10 of band) |
| Vehicle NCO | 0.88% (p44 of band) |
| Repossessed % of vehicle book | 0.08% (p52 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 145% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 26% |
| Average share balance | $11,323 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $32.4M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $42,943 |
| Loans granted, annualized | $136.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $32.4M outstanding purchased (23.5% of net worth), $814,231 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 17.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 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 | 2 | members leaving |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | margin squeeze, loans>95% of shares |  |
| 2020-03 | 2 |  | margin squeeze, loans>95% of shares |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 2 | loan book shrinking | delinquency rising |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | loan book shrinking |
| 2021-09 | 2 | delinquency 2x band | leaning on borrowings |
| 2021-12 | 0 |  | margin squeeze, delinquency 2x band |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, leaning on borrowings |  |
| 2023-12 | 1 |  | assets shrinking, delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 | net worth falling | leaning on borrowings |
| 2026-03 | 4 | margin squeeze |  |

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

- 2026-03-19 [Power Financial Credit Union voted Best Credit Union in South Florida - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOS3RFdnhQYmgzMTU2RndrMFk1NkVnY2QwdHlCbkFHcnRfZ09qWnZuT3NPQkxjdmNVVHc0bHpCT0liNmxvOGRHM0Vubm9KOHdVNHZHVjlyUkFsYXdjUHdDcndtRkRsVkZCV2pPOUtRY0pCaDlMdXlTa19NdnRBOFlRUWtNdWc5T1JUMGVoSWxJTDJJaU1oRjVsS0s0RGIzRldKTFNOcGpkYlVfRFBXNGNN?oc=5) · CUInsight
- 2026-06-11 [Power Financial Credit Union Selects NCR Atleos Allpoint Network to Expand Cash Access - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxOZVN5b0VpeHJkLTJyeDRKQ01zeEVwME1KMnRKTS1GaXBuUkMwbHJLR1NvSDhHLVRKODRnT0gxcTljeVlWNnBZRFE1YUdPUjVuYURuVlVzanhhZmFIVHJFY3JOTmtWc0xHMDgtLUY2cHVPRTNmSWhneE1HUDVFRUFRamktX2EtREZxVFBaV2JmNXhtMERXaDBGN2NEWVBra1V0MHFV?oc=5) · Yahoo Finance
- 2026-06-15 [Florida's Power Financial Credit Union taps NCR Atleos Allpoint network - FinTech Futures](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNXJVTGRIejkwT2U5UHkweGNWbHdzaHg2MURtTzVlUFY1TXpfLVFLZ3J5ZHhkSV90ZjFzMW5LTk5YeG1vSEtnNFMtQldpVWlnSk1iMThMSjVLX1ZsRnVFQVFPMTNHOGhVeVlkSHA5N1E5cC1KT2NyY2ZpcmJjYWJELU9FUTVWQXgzbEE?oc=5) · FinTech Futures
- 2026-01-21 [Power Financial Credit Union Named to Newsweek's America's Best Regional Banks & Credit Unions 2026 - PRWeb](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQTEJOOXNjZUFwYzFGNUZQd21zeGRRWnNqM1VxOGotUW1taWZsTVZDVTZJeFZyVW13OGp0bm5EbzAwUnlvVkl1VGt4eDRBdGh6TkwyUWJ2OThGbGtxNkg2TFJxdnI2TEI5QVlQM3lwdlVKUHdBOWthc014WFo3RGVicktyR1VOdVkzX2ZzQ241aFIwNVZuekE5UXhfU3pQTzFvQkV0VXpZUHNQYXlsWG9fckltblNGSWU2eUg0dlJmYXBkXzd2YU94V1Z2UzlndlBKZGJXY0YzMXZGQQ?oc=5) · PRWeb
- 2025-12-17 [Power Financial Credit Union named Best Credit Union in Miami-Dade for third straight year - CUInsight](https://news.google.com/rss/articles/CBMiywFBVV95cUxNUDFBNHhFOEJzN08wSkY3cmpsQkY0MnlHbFhZX25NcW5OTS1RNEI5aDJ0VWNQNzBlbGgycDQzNlZhSWl6SDZvOEVyZUY0T0lrREVJb2tCRUd0RWJrN2MydUw1alp3RGwyc2JmR293NXZvYU9rS2kyUkQ1azdodHk3SnZSaUZiSUlKUDhHd1ZWZWlCZktTdlRER3h0M1VQLXIxa1NITjJjNTBkdXpwMUYyaWcwNTVqQ1ZQd1g2WmppdTZ2VTdmdUtsN0E1QQ?oc=5) · CUInsight
- 2026-04-13 [Broward County hotel could be seized in $12M foreclosure lawsuit - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSktoX2Q2NnBwblFMY001QzZOLU5UdlQ3VGdKYjZ6cGtQbk5qQU00VllnbEtVWjMxRnBiV0NKUmxjdG8xWmQxYnQ4T21OSEVvZlA0WmxuQ2hPWWhsalRocFpYTGRzUEsyXzRtQkoycjhCaVhFcFpRNXRKLTJ3Wjc4NXBuUVRjNFhXSUU4bG1nODNoV0VXRVhJMWkzUkdzbG9FaE1YbWcxbThoNlU?oc=5) · The Business Journals
- 2019-03-27 [Power Financial Credit Union Announces Merger With And Consolidation Of TransCapital Bank - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNdlRjc1RKaE00WEJCRnhGWXVTTk1uUHlIdGhDY0x3X3BXRWxGNV9RWF96Si1Kc2ZHbXlVQnVEdlVZck9qcGpGeVllQ0N4UHA5UGpBQ2Y4NDB4aGlpd2U2NG9udzl6dmxBOXRhMnJ5TFJfSGFaZHhqbndqM0xPRFhSdmlleUpfbTlfZ3RwS0VhSkFzY19YRDhITG9fSGZzZ3lwZnJ2Rk1iZktaV2lONHBTdy1ITUVIbHFjb0NNTnhCYy1NMFNjOTItRE1XOGV0TC1KcmFqSzJuaUdObk01OWc?oc=5) · PR Newswire
- 2025-10-01 [Power Financial Credit Union donates $10,000 to the Jason Taylor Foundation to empower South Florida’s youth - CUInsight](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOTUxhRjRmanlGdTZsM0ppVEgtR0NsbmpJMVVEUjZYc0J1bGpzdUxVOUJsc0ppVVc0ZEJaVGUtWnBrVmJlWXItV0R4Y2lHMnctSVZOU2xTWnJpNDhEWVhxNEtPeWpVMXF6VjVxTzFHNHVLRjU5ZjVHWkEtX2VWREUzRjRLaTdBSW56N1Rra1lEREpzdmptUS1IdXpFa0ZNa0pyQ2RqWDUtazZFX0xzRmZXYS0xWWxESkhxLVQxeFdlZHF6VkJ3bzlnRHFldEF0SzBDY1AwVnVReWdBSTNzcV9J?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68445 (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/29.json (key "68445", 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=68445
- 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