Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 52 | 67 (stronger) |
| Capital cushion | 55 (stronger) | 45 |
| Loan quality | 41 | 95 (stronger) |
| Earnings | 39 | 54 (stronger) |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 72 | 97 (stronger) |
| Peer percentile | 8th | 41st |
| Total assets | $493.9M | $696.1M |
| Deposits / shares | $418.0M | $625.8M |
| Capital ratio | 10.49% (stronger) | 9.49% |
| Problem loans | 1.78% | 0.14% (stronger) |
| Net charge-offs | 0.98% | 0.31% (stronger) |
| Return on assets | 0.47% | 0.85% (stronger) |
| Loans ÷ deposits | 93.3% | 86.6% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 25.6% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 18.8% |
Innovations Financial Credit Union has the higher TellerScore (67 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 2 and Innovations Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.