BlastPoint's Credit Union Scorecard

INNOVATIONS FINANCIAL

Charter #68732 · FL

Community 500M-750M

167 CUs in 500M-750M nationally 6 in FL

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INNOVATIONS FINANCIAL shows strong momentum with 8 strengths and 6.3% YoY member growth

National Analysis

How does the industry compare?

Community 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 Leader: Top 7.3% in tier
+ Organic Growth Engine: Top 7.3% in tier
+ Relationship Depth Leader: Top 25.6% in tier
+ Wallet Share Momentum: Top 25.6% in tier
+ Strong member growth: 6.3% YoY
+ Total Delinquency Rate (60+ days): Top 1.8% in tier
+ Fee Income Per Member: Top 3.6% in tier
+ Member Growth Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	27,575 +6.3% YoY+1.8% QoQ	-10.5K	38,079 -4.8% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Bottom 15.0% in tier
Assets	$674.0M +10.5% YoY+3.4% QoQ	+$54.3M	$619.7M -0.2% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	73%
Loans	$536.0M +15.3% YoY+3.4% QoQ	+$116.7M	$419.3M -1.4% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 13.8% in tier
Deposits	$606.3M +11.1% YoY+3.6% QoQ	+$66.8M	$539.5M -0.1% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -42.4% YoY-13.8% QoQ	+0.0%	0.7% +36.0% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	59%
NIM	3.3% -0.6% YoY-1.9% QoQ	-0.1%	3.5% +4.5% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	74.4% +3.7% YoY-2.4% QoQ	-4.0%	78.4% -3.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.1% -17.3% YoY-18.0% QoQ	-0.6	0.7% -0.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 1.8% in tier
Loan To Share	88.4% +3.7% YoY-0.1% QoQ	+10.7%	77.7% -1.2% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	78%
AMR	$41,425 +6.4% YoY+1.7% QoQ	+$14K	$26,927 +3.1% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Top 4.8% in tier
CD Concentration	34.9% +12.8% YoY+5.3% QoQ	+10.6%	24.3%	24.4%	19.8%	Top 14.9% in tier
Indirect Auto %	3.1% +20.7% YoY+4.2% QoQ	-10.7%	13.8%	10.8%	7.7%	41%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#50 of 371 • Top 7.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#122 of 352 • Top 7.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 3.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#95 of 257 • Top 25.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#341 of 491 • Top 25.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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 167 peers in tier

Top Strengths (11 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.62%

#4 of 167 Top 1.8% in 500M-750M tier

Fee Income Per Member

profitability

Value: $373.51

Peer Median: $178.80

#7 of 167 Top 3.6% in 500M-750M tier

Member Growth Rate

growth

Value: 6.29%

Peer Median: 1.03%

#8 of 167 Top 4.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $41,425

Peer Median: $25,600

#8 of 167 Top 4.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,439

Peer Median: $11,231

#8 of 167 Top 4.2% in 500M-750M tier

Loan Growth Rate

growth

Value: 15.29%

Peer Median: 4.25%

#9 of 167 Top 4.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 11.13%

Peer Median: 4.02%

#14 of 167 Top 7.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 10.54%

Peer Median: 4.66%

#18 of 167 Top 10.2% in 500M-750M tier

Total Loans

balance_sheet

Value: $536.03M

Peer Median: $427.27M

#23 of 167 Top 13.2% in 500M-750M tier

Total Deposits

balance_sheet

Value: $606.28M

Peer Median: $543.36M

#34 of 167 Top 19.8% in 500M-750M tier

Top Weaknesses (3 metrics)

142

Total Members

engagement

Value: 27,575

Peer Median: 36,874

#142 of 167 Bottom 15.6% in 500M-750M tier

139

Share Certificate Concentration (%)

balance_sheet

Value: 34.88%

Peer Median: 26.29%

#139 of 167 Bottom 17.4% in 500M-750M tier

128

Members Per Employee (MPE)

engagement

Value: 267.718

Peer Median: 318.730

#128 of 167 Bottom 24.0% in 500M-750M tier