ITHINK FINANCIAL
Charter #68663 · Boca Raton, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.24% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.40% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ITHINK FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.36B | 52th pct | 52th pct |
| Members | 118,280 | 48th pct | 51th pct |
| Net worth ratio | 10.82% | 52th pct | 49th pct |
| Return on average assets | 0.79% | 57th pct | 59th pct |
| Net interest margin | 3.15% | 38th pct | 30th pct |
| Cost of funds | 2.24% | 75th pct | 80th pct |
| Loan-to-share | 94.16% | 77th pct | 80th pct |
| Delinquency 60+ days | 0.72% | 61th pct | 59th pct |
| Net charge-off ratio | 0.47% | 44th pct | 36th pct |
| Loan growth YoY | 1.59% | 47th pct | 43th pct |
| Share growth YoY | 4.14% | 51th pct | 52th pct |
| Efficiency ratio | 68.40% | 35th pct | 25th pct |
structural peer set hash: 0efe9a9489f407350fc24ee6c04f4c7e… (reproducible)
Closest structural peers
This is the free public view
Claim ITHINK FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.