Credit Union Safety Analysis
Is Power Financial Credit Union Safe? Pembroke Pines, Florida
Based on its Q2 2026 NCUA 5300 call report, Power Financial Credit Union has a net worth ratio of 14.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.35%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Power Financial Credit Union's net worth ratio is 14.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.03%
- Delinquency ratio (60+ days) (Q2 2026): 3.35%
- Return on assets (Q2 2026): 0.89%
- Loan-to-share ratio (Q2 2026): 84.68%
Power Financial Credit Union (NCUA charter 68445, established 1951) reported $1.03B in assets and 34,561 members for Q2 2026 from Pembroke Pines, Florida. It ranks 27 of 106 credit unions in Florida by total assets. Total assets grew 15.6% from $892.1M on June 30, 2025. It has 1,200 more members than on June 30, 2025 (+3.6%). Its net worth ratio was down 0.99 percentage points from 15.02% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $421.1M of $721.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.35% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.66% for Q1 2026; 15.02% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 3.06% for Q1 2026; 0.42% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.72% for Q1 2026; 1.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 82.48% for Q1 2026; 94.89% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $421.1M
- Commercial loans: $201.7M
- Used vehicle loans: $46.1M
- Other secured non-real estate loans and lines of credit: $29.0M
- Unsecured credit card loans: $8.7M
- New vehicle loans: $7.9M
- Other unsecured loans and lines of credit: $7.1M
- Non-federally guaranteed student loans: $229K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.03B | 14.03% | 3.35% | 0.89% | 84.68% |
| March 31, 2026 | $1.04B | 14.66% | 3.06% | 0.72% | 82.48% |
| December 31, 2025 | $977.0M | 14.96% | 3.57% | 0.87% | 88.87% |
| September 30, 2025 | $945.1M | 15.08% | 1.93% | 0.93% | 90.60% |
| June 30, 2025 | $892.1M | 15.02% | 0.42% | 1.37% | 94.89% |
| March 31, 2025 | $899.5M | 14.66% | 0.22% | 1.06% | 90.87% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Power Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68445) · FFIEC NIC profile (RSSD 289681)
Frequently asked questions
Is Power Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Power Financial Credit Union's net worth ratio is 14.03%, above the 7% NCUA threshold for well capitalized.
Is Power Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Power Financial Credit Union is a federally insured credit union (NCUA charter 68445): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Power Financial Credit Union's key safety ratios?
For Q2 2026, Power Financial Credit Union reports net worth 14.03%, delinquency 3.35%, ROA 0.89%, loan-to-share 84.68%.
What happens to my money if Power Financial Credit Union fails?
For Q2 2026, Power Financial Credit Union held $852.5M in shares and deposits for 34,561 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.