INNOVATIONS FINANCIAL
Charter #68732 · PANAMA CITY, FL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,575 sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.18% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.11% ranks in the 3rd 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 | INNOVATIONS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $674.03M | 43th pct | 31th pct |
| Members | 27,575 | 11th pct | 11th pct |
| Net worth ratio | 9.59% | 32th pct | 33th pct |
| Return on average assets | 0.72% | 57th pct | 56th pct |
| Net interest margin | 3.39% | 41th pct | 26th pct |
| Cost of funds | 0.18% | 8th pct | 7th pct |
| Loan-to-share | 88.41% | 72th pct | 57th pct |
| Delinquency 60+ days | 0.11% | 3th pct | 3th pct |
| Net charge-off ratio | 0.30% | 38th pct | 30th pct |
| Loan growth YoY | 4.94% | 90th pct | 82th pct |
| Share growth YoY | 8.27% | 93th pct | 88th pct |
| Efficiency ratio | 74.38% | 31th pct | 28th pct |
structural peer set hash: e5f6ef2dd265dfe3ae8bdf4b63a90187… (reproducible)
Closest structural peers
This is the free public view
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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.