Power One Federal Credit Union
Total assets
$19.6M
▲ +9.0% YoY
Shares & deposits
$17.0M
▲ +11.4% YoY
Loans
$16.2M
▲ +5.8% YoY
Members
1,285
▼ -13.6% YoY
ROA (annualized)
0.44%
peers 0.60%
ROE (annualized)
3.47%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +11.4% | +0.7% | +10.7 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.1 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1520 Spy Run Ave, Fort Wayne, IN, 46805
- NCUA charter #
- 620
- RSSD ID
- 677475
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.6M | $17.0M | $16.2M | $2.5M | $22K | 0.44% | 4.76% | 2.78% | 1,285 |
| Q4 2025 | $18.2M | $15.7M | $16.2M | $2.5M | $-178K | -0.98% | 4.81% | 3.09% | 1,280 |
| Q3 2025 | $17.9M | $15.0M | $15.9M | $2.9M | $20K | 0.15% | 4.84% | 3.15% | 1,289 |
| Q2 2025 | $18.4M | $15.6M | $15.8M | $2.7M | $10K | 0.10% | 4.58% | 1.54% | 1,302 |
| Q1 2025 | $18.0M | $15.3M | $15.3M | $2.6M | $3K | 0.06% | 4.52% | 1.06% | 1,488 |
| Q4 2024 | $17.2M | $14.6M | $15.3M | $2.6M | $70K | 0.40% | 4.63% | 1.29% | 1,329 |
| Q3 2024 | $17.2M | $14.5M | $15.1M | $2.6M | $53K | 0.41% | 4.60% | 1.23% | 1,341 |
| Q2 2024 | $17.7M | $14.8M | $15.0M | $2.6M | $30K | 0.34% | 4.40% | 0.78% | 1,378 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $8.0M · securities $1.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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