| Metric | Powernet Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.1% | +5.5 pts |
| Share growth (YoY) | +8.9% | +3.5% | +5.4 pts |
| Loan growth (YoY) | +14.2% | +2.9% | +11.3 pts |
| ROA | 1.89% | 0.74% | +1.2 pts |
| ROE | 18.8% | 6.5% | +12.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.3M | $112.2M | $37.3M | $12.6M | $1.2M | 1.89% | 2.84% | 1.44% | 3,830 |
| Q1 2026 | $125.2M | $112.4M | $35.8M | $12.3M | $849K | 2.71% | 2.70% | 1.17% | 3,814 |
| Q4 2025 | $116.4M | $104.6M | $33.3M | $11.4M | $821K | 0.71% | 2.28% | 0.46% | 3,224 |
| Q3 2025 | $117.1M | $105.6M | $32.9M | $11.2M | $609K | 0.69% | 2.25% | 1.17% | 3,216 |
| Q2 2025 | $114.3M | $103.0M | $32.7M | $11.0M | $406K | 0.71% | 2.29% | 0.57% | 3,255 |
| Q1 2025 | $113.7M | $102.5M | $33.6M | $10.8M | $231K | 0.81% | 2.40% | 0.33% | 3,276 |
| Q4 2024 | $112.7M | $101.8M | $33.4M | $10.6M | $495K | 0.44% | 2.03% | 0.54% | 3,307 |
| Q3 2024 | $113.7M | $102.9M | $33.9M | $10.5M | $384K | 0.45% | 2.03% |
| Ratio | Powernet Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.74% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 6.5% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 3,298 |
| Q2 2024 | $114.6M | $103.8M | $35.0M | $10.4M | $292K | 0.51% | 2.06% | 0.76% | 3,341 |
Loan mix (Q2 2026): real estate $20.0M · commercial $990K · consumer $13.3M · securities $60.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 77.5% | 4th |
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% |
| Ratio | Powernet Credit Union | 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% |
| Ratio | Powernet Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Powernet Credit Union | 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% |
| Ratio | Powernet Credit Union | 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% |
| Ratio | Powernet Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Hillsborough, FL, ranked 60th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 1 | $37.4M* | 0.06% | 60th |
| Duval, FL | 1 | $37.4M* | 0.03% | 38th |
| Miami-Dade, FL | 1 | $37.4M* | 0.02% | 72nd |
Florida: 230th with 0.01% · Tampa-St. Petersburg-Clearwater metro: 74th, 0.02% · Miami-Fort Lauderdale-West Palm Beach metro: 104th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3