BlastPoint's Credit Union Scorecard

ITHINK FINANCIAL

Charter #68663 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

ITHINK FINANCIAL has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 28.4% in tier
+ Organic Growth Engine: Top 28.4% in tier
+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	118,280 +4.2% YoY+1.3% QoQ	+22.2K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	73%
Assets	$2.4B +5.1% YoY+1.5% QoQ	+$638.9M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	80%
Loans	$1.8B +1.8% YoY+0.9% QoQ	+$613.8M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 13.1% in tier
Deposits	$1.9B +5.6% YoY+2.6% QoQ	+$475.3M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +29.9% YoY+4.1% QoQ	+0.1%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	62%
NIM	3.1% +7.0% YoY+2.0% QoQ	-0.2%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	68.4% -5.7% YoY-1.2% QoQ	-6.2%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	0.7% -1.6% YoY-12.3% QoQ	+0.0	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	61%
Loan To Share	94.2% -3.6% YoY-1.6% QoQ	+11.0%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	78%
AMR	$31,860 -0.5% YoY+0.5% QoQ	+$2K	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	69%
CD Concentration	34.9% +1.8% YoY-0.7% QoQ	+6.0%	28.8%	24.4%	19.8%	77%
Indirect Auto %	9.2% +35.6% YoY+3.2% QoQ	-8.9%	18.1%	10.8%	7.7%	37%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#45 of 116 • Top 28.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.16%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#48 of 115 • Top 28.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.79%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 9.16%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#111 of 148 • Bottom 24.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.16%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.84%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $1.83B

Peer Median: $1.11B

#40 of 306 Top 12.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.36B

Peer Median: $1.51B

#60 of 306 Top 19.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,450

Peer Median: $12,733

#64 of 306 Top 20.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.94B

Peer Median: $1.31B

#65 of 306 Top 20.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.16%

Peer Median: 85.31%

#66 of 306 Top 21.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 68.40%

Peer Median: 75.16%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (4 metrics)

274

First Mortgage Concentration (%)

balance_sheet

Value: 52.68%

Peer Median: 33.05%

#274 of 306 Bottom 10.8% in 1B-3B tier

246

Share Certificate Concentration (%)

balance_sheet

Value: 34.88%

Peer Median: 27.93%

#246 of 306 Bottom 19.9% in 1B-3B tier

239

AMR Growth Rate

growth

Value: -0.46%

Peer Median: 3.15%

#239 of 306 Bottom 22.2% in 1B-3B tier

237

Members Per Employee (MPE)

engagement

Value: 294.963

Peer Median: 345.077

#237 of 306 Bottom 22.9% in 1B-3B tier