State credit union · WINTER SPRINGS, Florida · NCUA charter #67344
INSIGHT
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $659.2M
- Total assets
- 43,557
- Members
- 9.9%
- Net-worth ratio
INSIGHT scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $659.2M; members 43,557; net-worth ratio 9.88%; health rank #2,770 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,770 of 4,374 health · 2025Q4INSIGHT · health 80/100 · $659.2M · 2025Q4
Call Report peers
INSIGHT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INSIGHT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INSIGHT sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for INSIGHT
- Largest favorable gap: Return on Assets at 0.58% vs peer 0.51% (+0.07 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.15 pp (63.75% vs 83.90%).
Florida standing for INSIGHT
- Florida health ordinal: #85 of 109.
- Florida assets place: #33 of 109.
- Member book place in Florida: #32 of 109.
- One place up in Florida, Gold Coast (#84) ties at 80/100; one place down, ECU (#86) scores 79/100, 1 point lower.
Quarter path for INSIGHT
INSIGHT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $659.2M (2025Q4) to $659.8M (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.92% → 9.88%).
9.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
INSIGHT gives up 20 points in total. Member Growth costs the most, 12.5 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 13.9 pts
INSIGHT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.88% | -1.30 pp |
| Delinquency Rate | 1.15% | +0.28 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | -3.60% | - |
| Loan-to-Share Ratio | 63.75% | -20.15 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $659.8M | - |
| 2025Q4 | $659.2M | 43,557 |
| 2024Q4 | $686.0M | 45,184 |
| 2023Q4 | $670.3M | 48,476 |
Credit Union Details
- Charter Number
- 67344
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- WINTER SPRINGS
- Data Quarter
- 2025Q4
Branch Locations (14)
Per its most recent NCUA branch filing, INSIGHT runs 14 offices in 10 different cities.
| Office | City |
|---|---|
| Winding Hollow 270 (Main Office) | Winter Springs, FL |
| Wekiva | Apopka, FL |
| Clermont Branch | Clermont, FL |
| Deland | Deland, FL |
| Eustis | Eustis, FL |
| Osceola Parkway | Kissimmee, FL |
| Lady Lake | Lady Lake, FL |
| Lake Mary | Lake Mary, FL |
| Leesburg | Leesburg, FL |
| Gore Street | Orlando, FL |
| Winding Hollow 240 | Winter Springs, FL |
| Winding Hollow 250 | Winter Springs, FL |
| Winding Hollow 260 | Winter Springs, FL |
| Willa Springs | Winter Springs, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Cross-state Call Report peers for INSIGHT
Using this data
- INSIGHT ranks #2,770 of 4,374 nationally on financial health and #85 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Innovations Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Innovations Financial
Frequently Asked Questions
Is INSIGHT financially healthy?
INSIGHT has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,770 of 4,374 nationally on health and #85 of 109 in Florida. Its net worth ratio is 9.88% and its delinquency rate 1.15%.
How does INSIGHT compare to other credit unions?
INSIGHT scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.58% vs 0.51%). Its widest shortfall is loan-to-share ratio (63.75% vs 83.90%).
How can I join INSIGHT?
Membership eligibility for INSIGHT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INSIGHT directly for current membership requirements and application steps.
Is my money safe at INSIGHT?
INSIGHT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. INSIGHT's net worth ratio of 9.88% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.