PackageTrendsPeer
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Power Financial

Pembroke Pines, FL · Charter 68445

NCUA · 6 branches

Q2 2026

$1.0BAssets
$721.8MLoans
$852.5MShares
$140.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.81%, down 40 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 3.35% of loans (+293 bps YoY).
  • Capital: net worth / assets of 13.59%, down 118 bps from a year ago.
  • Funding: loans stand at 84.68% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-50 bps YoY

Efficiency Ratio (YTD, annualized)

76.56%+1,072 bps YoY

Net Worth / Assets

13.59%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.07%0.99%0.72%0.81%-40 bps
Return on Equity8.19%7.56%7.14%5.43%5.94%-225 bps
Net Interest Margin3.53%3.32%3.22%2.94%3.03%-50 bps
Efficiency Ratio65.84%67.01%67.67%77.82%76.56%+1,072 bps
Growth
Asset Growth (YoY)1.95%8.01%12.38%15.85%15.65%+1,370 bps
Loan Growth (YoY)2.99%4.54%6.79%6.97%6.06%+308 bps
Share Growth (YoY)1.46%9.05%13.39%17.84%18.85%+1,739 bps
Asset Quality
Delinquent Loans / Loans0.42%1.93%3.57%3.06%3.35%+293 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.76%14.17%13.92%13.23%13.59%-118 bps
Net Worth / Assets14.76%14.17%13.92%13.23%13.59%-118 bps
Liquidity & Funding
Loans / Shares94.89%90.60%88.87%82.48%84.68%-1,021 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps