State credit union · Boca Raton, Florida · NCUA charter #68663
Ithink Financial
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.32B
- Total assets
- 116,811
- Members
- 10.8%
- Net-worth ratio
Ithink Financial scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.32B; members 116,811; net-worth ratio 10.82%; health rank #530 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#530 of 4,374 health · 2025Q4Ithink Financial · health 94/100 · $2.32B · 2025Q4
- NCUSIF 94/100
- CAMELS 10.8%
- HEALTH 0.83%
- NW 0.83%
- DELQ $2.32B
- ROA 116,811
- ASSETS #530/4,374
- MEM CENTRA
- RANK 68663
Call Report peers
Ithink Financial in the assets neighbourhood
Ithink Financial's $2.32B assets sit next to CENTRA ($2.32B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ithink Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% 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
Ithink Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68663, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Ithink Financial: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 95.70% vs peer 83.90% (+11.80 pp).
- Net Worth Ratio trails the peer set - 10.82% here, 11.18% peer average (-0.36 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for Ithink Financial
- Health composite ranks #23 of 109 among scored Florida credit unions.
- Assets rank #15 of 109 inside Florida ($2.32B reported).
- Florida membership ordinal: #17 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Ithink Financial: 2025Q4 → 2026Q1
Ithink Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $2.32B (2025Q4) to $2.36B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.76% → 10.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for Ithink Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.82% | -0.36 pp |
| Delinquency Rate | 0.83% | -0.05 pp |
| Return on Assets | 0.83% | +0.32 pp |
| Member Growth | 4.47% | - |
| Loan-to-Share Ratio | 95.70% | +11.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Ithink Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.36B | - |
| 2025Q4 | $2.32B | 116,811 |
| 2024Q4 | $2.21B | 111,818 |
| 2023Q4 | $2.19B | 106,929 |
Credit Union Details
- Charter Number
- 68663
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Boca Raton
- Data Quarter
- 2025Q4
Branch Locations (21)
The NCUA branch filing lists 21 physical offices for Ithink Financial, spread across 19 cities in 2 states.
| Office | City |
|---|---|
| Delray (Main Office) | Delray Beach, FL |
| North Atlanta | Atlanta, GA |
| Boca Raton | Boca Raton, FL |
| Boynton Beach | Boynton Beach, FL |
| Fellsmere | Fellsmere, FL |
| North Fort Lauderdale | Fort Lauderdale, FL |
| Fort Pierce | Fort Pierce, FL |
| Hutchison Island | Fort Pierce, FL |
| Jasper | Jasper, GA |
| Kennesaw | Kennesaw, GA |
| Marietta | Marietta, GA |
| Morrow | Morrow, GA |
| PGA | Palm Beach Gardens, FL |
| St Lucie West | Port St Lucie, FL |
| Roswell | Roswell, GA |
| Royal Palm Beach | Royal Palm Beach, FL |
| Sebastian | Sebastian, FL |
| Stuart | Stuart, FL |
| Vero | Vero Beach, FL |
| Vero Beach Airport | Vero Beach, FL |
| Military Trail | West Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Ithink Financial
Ithink Financial's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.32B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Ithink Financial ranks #530 of 4,374 nationally on financial health and #23 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FLORIDA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FLORIDA
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Ithink Financial financially healthy?
A 10.82% net worth ratio and a 0.83% delinquency rate feed into Ithink Financial's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #530 of 4,374; by total assets it ranks #225 of 4,374 nationally (same basis as /rankings/largest); and #15 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Ithink Financial compare to other credit unions?
On PlainCU's health composite, Ithink Financial lands at 94/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Ithink Financial?
Membership eligibility for Ithink Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ithink Financial directly for current membership requirements and application steps.
Is my money safe at Ithink Financial?
Federal credit unions like Ithink Financial are 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. Ithink Financial's net worth ratio of 10.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ithink Financial offer compared to banks?
Credit unions like Ithink Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Ithink Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.