BlastPoint's Credit Union Scorecard
ITHINK FINANCIAL
Charter #68663 · FL
ITHINK FINANCIAL has 3 strengths but faces 5 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 34.2% in tier
- + Organic Growth Leader: Top 42.5% in tier
- + ROA 0.07% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 72.7% in tier
- - Shrinking Wallet Share: Bottom 84.6% in tier
- - Credit Quality Pressure: Bottom 89.5% in tier
- - Credit Risk Growth: Bottom 98.8% in tier
- - Margin Compression: Bottom 100.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116,811
+4.5% YoY+0.6% QoQ
|
+19.4K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$2.3B
+4.9% YoY+1.9% QoQ
|
+$600.7M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$1.8B
+1.4% YoY+0.7% QoQ
|
+$576.7M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 13.9% in tier |
| Deposits |
$1.9B
+5.3% YoY+1.5% QoQ
|
+$433.1M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.8%
-12.3% YoY+3.7% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.1%
+10.7% YoY-0.3% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
69.2%
+0.3% YoY-1.2% QoQ
|
-4.8% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.8%
+4.2% YoY+17.2% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
95.7%
-3.8% YoY-0.9% QoQ
|
+10.9% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$31,705
-1.1% YoY+0.5% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
35.1%
+0.1% YoY-1.6% QoQ
|
+6.1% | 29.0% | 24.1% | 19.8% | 77% |
| Indirect Auto % |
8.9%
+49.6% YoY+8.2% QoQ
|
-9.4% | 18.3% | 10.8% | 7.8% | 34% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)