Innovations Financial
Panama City, FL · Charter 68732 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$696.1MAssets
$542.2MLoans
$625.8MShares
$63.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 280 of 1682).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets (rank 1496 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.85%
Rank 738 of 1,683
Net Interest Margin
3.31%
Rank 1,265 of 1,683
Efficiency Ratio
72.92%
Rank 584 of 1,682
Equity / Assets
9.10%
Rank 1,496 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 738 / 1,683 | | |
| Return on Equity | 9.30% | 2.67% | 5.89% | 8.74% | Beats 79% | 353 / 1,681 | | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,265 / 1,683 | | |
| Efficiency Ratio | 72.92% | 68.91% | 78.20% | 86.93% | Beats 65% | 584 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 280 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,496 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,496 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.65% | 52.61% | 69.38% | 83.50% | 80th pctl | 331 / 1,683 | | |
| Loans / Assets | 77.90% | 44.71% | 59.18% | 70.72% | 89th pctl | 192 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |