ITHINK FINANCIAL
Charter #68663 | FL
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
18 1B-3B in FL
ITHINK FINANCIAL has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.1% in tier
- + Organic Growth Leader: Top 15.6% in tier
- + ROA 0.02% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.7% in tier
- - Shrinking Wallet Share: Bottom 20.1% in tier
- - Liquidity Strain: Bottom 23.5% in tier
- - Growth-at-Risk: Bottom 26.6% in tier
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116,143
+4.4% YoY+1.1% QoQ
|
+17.5K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
69th in tier |
| Assets |
$2.3B
+0.5% YoY+1.4% QoQ
|
+$560.9M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 21.4% in tier |
| Loans |
$1.8B
+0.5% YoY-0.4% QoQ
|
+$565.9M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$1.9B
+4.2% YoY+1.7% QoQ
|
+$409.4M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 24.7% in tier |
| ROA |
0.7%
-19.7% YoY+7.1% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
58th in tier |
| NIM |
3.1%
+12.2% YoY+2.4% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
34th in tier |
| Efficiency Ratio |
70.1%
+3.2% YoY-1.2% QoQ
|
-3.9% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
32nd in tier |
| Delinquency Rate |
0.7%
+16.3% YoY-10.8% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
96.5%
-3.5% YoY-2.0% QoQ
|
+11.3% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 20.7% in tier |
| AMR |
$31,536
-1.9% YoY-0.5% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
71st in tier |
| CD Concentration |
35.7%
+2.0% YoY+2.3% QoQ
|
+6.7% |
29.0%
+0.8% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 20.6% in tier |
| Indirect Auto % |
8.2%
+54.0% YoY+11.2% QoQ
|
-10.6% |
18.8%
-2.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
31st in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growth
#96 of 246 • Top 13.1% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
4.37%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.73%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
8.20%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#62 of 138 • Top 15.6% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
4.37%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank worsening
Concerns (4)
Credit Quality Pressure
risk
#129 of 217 • Bottom 16.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Shrinking Wallet Share
decline
#62 of 83 • Bottom 20.1% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.92%
(Tier:
3.04%, National:
4.19%)
83 of 380 Mid-Market CUs have this signature
| 346 nationally
↓ Shrinking
-55 CUs YoY
|
Rank improving
Liquidity Strain
risk
#124 of 183 • Bottom 23.5% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
96.52%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
0.53%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#149 of 161 • Bottom 26.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
0.53%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
Rank improving
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
45
Total Loans
balance_sheet
Value:
$1.80B
Peer Avg: $1.23B
#45 of 304
Top 14.5% in 1B-3B tier
63
Loan-to-Share Ratio
balance_sheet
Value:
96.52%
Peer Avg: 85.19%
#63 of 304
Top 20.4% in 1B-3B tier
65
Total Assets
balance_sheet
Value:
$2.28B
Peer Avg: $1.72B
#65 of 304
Top 21.1% in 1B-3B tier
66
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,489
Peer Avg: $13,213
#66 of 304
Top 21.4% in 1B-3B tier
75
Total Deposits
balance_sheet
Value:
$1.86B
Peer Avg: $1.45B
#75 of 304
Top 24.3% in 1B-3B tier
Top Weaknesses (6 metrics)
275
First Mortgage Concentration (%)
balance_sheet
Value:
54.09%
Peer Avg: 34.01%
#275 of 304
Bottom 9.9% in 1B-3B tier
255
AMR Growth Rate
growth
Value:
-1.92%
Peer Avg: 3.29%
#255 of 304
Bottom 16.4% in 1B-3B tier
248
Share Certificate Concentration (%)
balance_sheet
Value:
35.68%
Peer Avg: 28.53%
#248 of 304
Bottom 18.8% in 1B-3B tier
245
Members Per Employee (MPE)
engagement
Value:
293.290
Peer Avg: 364.953
#245 of 304
Bottom 19.7% in 1B-3B tier
237
Asset Growth Rate
growth
Value:
0.47%
Peer Avg: 4.83%
#237 of 304
Bottom 22.4% in 1B-3B tier
231
Fee Income Per Member
profitability
Value:
$162.30
Peer Avg: $210.52
#231 of 304
Bottom 24.3% in 1B-3B tier