BlastPoint's Credit Union Scorecard

ITHINK FINANCIAL

Charter #68663 · FL

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 18 in FL

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ITHINK FINANCIAL has 3 strengths but faces 5 concerns

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 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
- Credit Risk Growth: 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	69%
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	79%
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	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	58%
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	34%
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	32%
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	52%
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	79%
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	71%
CD Concentration	35.7% +2.0% YoY+2.3% QoQ	+6.7%	29.0% +0.7% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	80%
Indirect Auto %	8.2% +54.0% YoY+11.2% QoQ	-10.6%	18.8% -3.0% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	30%

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%)

better than tier avg

Return on Assets: 0.73%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 8.20%

(Tier: 18.77%, National: 7.90%)

better than tier avg

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 8.20%

(Tier: 18.77%, National: 7.90%)

better than tier avg

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)

worse than tier avg

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%)

worse than tier avg

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: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.53%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Credit Risk Growth

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%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $1.80B

Peer Avg: -

#45 of 304 Top 14.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.52%

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.28B

Peer Avg: -

#65 of 304 Top 21.1% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,489

Peer Avg: -

#66 of 304 Top 21.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.86B

Peer Avg: -

#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: -

#275 of 304 Bottom 9.9% in 1B-3B tier

255

AMR Growth Rate

growth

Value: -1.92%

Peer Avg: -

#255 of 304 Bottom 16.4% in 1B-3B tier

248

Share Certificate Concentration (%)

balance_sheet

Value: 35.68%

Peer Avg: -

#248 of 304 Bottom 18.8% in 1B-3B tier

245

Members Per Employee (MPE)

engagement

Value: 293.290

Peer Avg: -

#245 of 304 Bottom 19.7% in 1B-3B tier

237

Asset Growth Rate

growth

Value: 0.47%

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier

231

Fee Income Per Member

profitability

Value: $162.30

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier