Ithink Financial
Boca Raton, FL · Charter 68663 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$2.4BAssets
$1.8BLoans
$2.0BShares
$250.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 59% of credit unions $1B-$10B in assets (rank 181 of 435).
- Widest gap: net interest margin trails 64% of credit unions $1B-$10B in assets (rank 279 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.81%
Rank 216 of 435
Net Interest Margin
3.18%
Rank 279 of 435
Efficiency Ratio
69.20%
Rank 181 of 435
Equity / Assets
10.52%
Rank 255 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.55% | 0.81% | 1.14% | Beats 50% | 216 / 435 | | |
| Return on Equity | 7.68% | 5.12% | 7.41% | 9.70% | Beats 53% | 205 / 435 | | |
| Net Interest Margin | 3.18% | 3.01% | 3.39% | 3.75% | Beats 36% | 279 / 435 | | |
| Efficiency Ratio | 69.20% | 65.25% | 71.39% | 77.86% | Beats 59% | 181 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 45% | 240 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.52% | 9.81% | 10.84% | 12.63% | Beats 41% | 255 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.52% | 9.81% | 10.84% | 12.63% | Beats 41% | 255 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.84% | 78.33% | 88.38% | 95.61% | 70th pctl | 132 / 435 | | |
| Loans / Assets | 77.04% | 67.69% | 74.58% | 80.80% | 59th pctl | 179 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |