State credit union · Boca Raton, Florida · NCUA charter #68663
Ithink Financial
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $2.32B
- Total assets
- 116,811
- Members
- 9.6%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)96
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)83
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 0.83% | 15% |
| Member Growth | 4.47% | 15% |
| Loan-to-Share Ratio | 95.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ithink Financial
Ithink Financial is a state credit union headquartered in Boca Raton, Florida, serving 116,811 members with $2.32B in total assets and $1.81B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68663 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.83% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 95.70% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.83% on net income of $19.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.47%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Ithink Financial financially healthy?
A 9.57% net worth ratio and a 0.83% delinquency rate feed into Ithink Financial's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. 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 92/100, 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 9.57% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.