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
Call Report peers
Ithink Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Ithink Financial sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, Velocity Community (#22) ties at 94/100; one place down, TRANSPORT (#24) scores 93/100, 1 point lower.
Ithink Financial: 2025Q4 → 2026Q1
Ithink Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $2.32B (2025Q4) to $2.36B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.76% → 10.82%).
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
Ithink Financial gives up 6 points in total. Delinquency Rate costs the most, 3.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Ithink Financial financially healthy?
Ithink Financial has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #530 of 4,374 nationally on health and #23 of 109 in Florida. Its net worth ratio is 10.82% and its delinquency rate 0.83%.
How does Ithink Financial compare to other credit unions?
Ithink Financial scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.70% vs 83.90%). Its widest shortfall is net worth ratio (10.82% vs 11.18%).
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?
Ithink Financial 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. Ithink Financial's net worth ratio of 10.82% 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.