BlastPoint's Credit Union Scorecard
INNOVATIONS FINANCIAL
Charter #68732 · FL
INNOVATIONS FINANCIAL shows strong momentum with 8 strengths and 6.5% YoY member growth
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 7.4% in tier
- + Organic Growth Engine: Top 7.4% in tier
- + Relationship Depth Leader: Top 34.8% in tier
- + Wallet Share Momentum: Top 34.8% in tier
- + Strong member growth: 6.5% YoY
- + Average Member Relationship (AMR): Top 4.2% in tier
- + Fee Income Per Member: Top 4.8% in tier
- + Deposit Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Florida.
- Shares and deposits +12.7% year over year ($626M in shares and deposits).
- Membership: 28,108 members, +6.5% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 0.86%.
- Efficiency ratio 72.92% vs a 76.56% peer average.
- Loan-to-share ratio 86.65% vs a 79.33% 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 |
28,108
+6.5% YoY+1.9% QoQ
|
-9.8K |
37,897
-5.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$696.1M
+12.2% YoY+3.3% QoQ
|
+$73.7M |
$622.4M
+0.6% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$542.2M
+11.7% YoY+1.2% QoQ
|
+$113.7M |
$428.5M
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Top 12.7% in tier |
| Deposits |
$625.8M
+12.7% YoY+3.2% QoQ
|
+$86.1M |
$539.8M
+0.9% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 13.9% in tier |
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| ROA |
0.9%
-0.3% YoY+20.9% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.4%
-0.5% YoY+1.0% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
72.9%
-3.8% YoY-2.0% QoQ
|
-3.6% |
76.6%
-3.6% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.1%
-3.3% YoY+23.9% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
Top 4.8% in tier |
| Loan To Share |
86.6%
-0.9% YoY-2.0% QoQ
|
+7.3% |
79.3%
-1.4% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$41,556
+5.4% YoY+0.3% QoQ
|
+$14K |
$27,294
+4.1% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 4.8% in tier |
| CD Concentration |
32.5%
+14.2% YoY-6.9% QoQ
|
+7.9% | 24.6% | 24.7% | 20.0% | 77% |
| Indirect Auto % |
2.9%
-1.2% YoY-7.1% QoQ
|
-10.8% | 13.6% | 10.8% | 7.7% | 41% |
Signature Analysis
Strengths (4)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)