BlastPoint's Credit Union Scorecard
ITHINK FINANCIAL
Charter #68663 · FL
ITHINK FINANCIAL has 2 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 30.6% in tier
- + Organic Growth Engine: Top 30.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +6.6% year over year ($1.95B in shares and deposits).
- Membership: 119,335 members, +3.9% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.81%.
- Efficiency ratio 69.20% vs a 73.02% peer average.
- Loan-to-share ratio 93.84% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,335
+3.9% YoY+0.9% QoQ
|
+22.5K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$2.4B
+5.8% YoY+0.9% QoQ
|
+$654.6M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$1.8B
+1.5% YoY+0.3% QoQ
|
+$598.5M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.3% in tier |
| Deposits |
$2.0B
+6.6% YoY+0.6% QoQ
|
+$489.8M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.8%
+19.5% YoY+3.3% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.2%
+6.1% YoY+2.0% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
69.2%
-2.4% YoY+1.2% QoQ
|
-3.8% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.8%
-5.0% YoY+3.5% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
93.8%
-4.7% YoY-0.3% QoQ
|
+9.1% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$31,725
+0.1% YoY-0.4% QoQ
|
+$2K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
35.1%
+0.8% YoY+0.8% QoQ
|
+6.1% | 29.1% | 24.7% | 20.0% | 76% |
| Indirect Auto % |
9.4%
+27.8% YoY+3.0% QoQ
|
-8.7% | 18.1% | 10.8% | 7.7% | 36% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)