BlastPoint's Credit Union Scorecard
INNOVATIONS FINANCIAL
Charter #68732 · FL
INNOVATIONS FINANCIAL has 17 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
- + Relationship Depth Leader: Top 1.2% in tier
- + Organic Growth Leader: Top 2.4% in tier
- + Wallet Share Momentum: Top 3.1% in tier
- + Organic Growth Engine: Top 6.0% in tier
- + Credit Quality Leader: Top 24.2% in tier
- + ROA 0.17% above tier average
- + Net Interest Margin 0.00% above tier average
- + Strong member growth: 9.4% YoY
- + AMR Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Fee Income Per Member: Top 1.8% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
- + Member Growth Rate: Top 6.5% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,822
+9.4% YoY+1.6% QoQ
|
-12.9K |
39,752
-2.7% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.7% in tier |
| Assets |
$625.3M
+32.2% YoY+0.8% QoQ
|
+$2.9M |
$622.4M
+0.3% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$510.8M
+36.4% YoY+5.2% QoQ
|
+$74.8M |
$435.9M
-0.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$560.0M
+31.6% YoY+0.9% QoQ
|
+$22.0M |
$538.0M
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.8%
+77.9% YoY-3.8% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.4%
+66.5% YoY+1.4% QoQ
|
+0.0% |
3.4%
+8.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
76.5%
-1.0% YoY+0.9% QoQ
|
-1.6% |
78.1%
-3.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.1%
-52.6% YoY-10.4% QoQ
|
-0.7 |
0.8%
-4.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
91.2%
+3.6% YoY+4.3% QoQ
|
+10.2% |
81.0%
-1.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$39,921
+22.3% YoY+1.2% QoQ
|
+$13K |
$26,482
+2.6% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 7.1% in tier |
| CD Concentration |
30.0%
-23.5% YoY+5.5% QoQ
|
+5.6% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % |
3.0%
-3.5% YoY+4.3% QoQ
|
-11.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
41% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)