TellerScore

Powernet Credit Union (NCUA charter #68042) is based in Tampa, Florida. Its Q2 2026 call report shows $125.3M in total assets and $112.2M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Powernet Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 59th. Its strongest component is earnings (96/100; 1.89%), and its lowest is capital cushion (51/100; 10.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.05%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.44%
Earnings96/100
Return on assets (annualized): 1.89%
Funding & liquidity86/100
Loans ÷ shares: 33.3% · 27.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (67 → 70), mostly because the earnings component improved by 48 points.

TellerScore
616772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202465
Q1 202569
Q2 202567
Q3 202561
Q4 202568
Q1 202672
Q2 202670
Net worth ratio
7.00%8.53%10.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.11%
Q3 20249.23%
Q4 20249.42%
Q1 20259.54%
Q2 20259.64%
Q3 20259.57%
Q4 20259.80%
Q1 20269.80%
Q2 202610.05%
Delinquent loans (60+ days)
0.33%0.89%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.81%
Q4 20240.54%
Q1 20250.33%
Q2 20250.57%
Q3 20251.17%
Q4 20250.46%
Q1 20261.17%
Q2 20261.44%
Return on assets
0.44%1.58%2.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.45%
Q4 20240.44%
Q1 20250.81%
Q2 20250.71%
Q3 20250.69%
Q4 20250.71%
Q1 20262.71%
Q2 20261.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$125.3M10.05%1.44%1.89%33.3%
Q1 202672$125.2M9.80%1.17%2.71%31.8%
Q4 202568$116.4M9.80%0.46%0.71%31.8%
Q3 202561$117.1M9.57%1.17%0.69%31.1%
Q2 202567$114.3M9.64%0.57%0.71%31.7%
Q1 202569$113.7M9.54%0.33%0.81%32.8%
Q4 202465$112.7M9.42%0.54%0.44%32.8%
Q3 202461$113.7M9.23%0.81%0.45%32.9%
Q2 202462$114.6M9.11%0.76%0.51%33.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.05%
29th
Problem loans1.44%
15th
Net charge-offs0.10%
85th
Return on assets1.89%
96th
Loans to deposits33.3%
98th
Uninsured deposits27.8%
1st
Loan-loss reserves0.00%
50th
Texas ratio4.3%
47th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Adventhealth Credit UnionCredit union Altamonte Sprin, FL71 out of 100, Strong$125.2M9.8%0.02%vs
Sun Credit UnionCredit union Hollywood, FL76 out of 100, Strong$128.8M11.0%0.60%vs
Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL53 out of 100, Below average$133.7M7.7%1.00%vs
Okaloosa County Teachers Federal Credit UnionCredit union Crestview, FL57 out of 100, Moderate$135.3M9.5%1.39%vs
Coastline Federal Credit UnionCredit union Jacksonville, FL70 out of 100, Strong$136.2M11.6%0.41%vs
Baptist Health South Florida Federal Credit UnionCredit union Miami, FL71 out of 100, Strong$140.2M11.0%0.62%vs

Deposit insurance

Is my money safe at Powernet Credit Union?

Yes. Powernet Credit Union is a federally insured credit union (NCUA charter #68042). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 27.8% of shares and deposits ($31.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.05%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Powernet Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Powernet Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68042
RSSD ID
103899
Primary regulator
State + NCUA
Established
1961
Headquarters
5619 Harney Rd, Tampa, FL 33610
Employees
18

Quick answers

Powernet Credit Union: common questions

Is Powernet Credit Union NCUA insured?

Yes. Powernet Credit Union is a federally insured credit union (NCUA charter #68042). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Powernet Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Powernet Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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