TellerScore

Headquartered in Boca Raton, Florida, Ithink Financial Credit Union is a federally insured state-chartered credit union with $2.4B in total assets and $2.0B in member shares and deposits as of Q2 2026. It operates 23 offices across 2 states. Its charter dates back to 1969.

Ithink Financial Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 72nd. Problem-loan coverage contributes the most (89/100, 5.7%); earnings contributes the least (52/100, 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.71%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity66/100
Loans ÷ shares: 93.8% · 12.9% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 5 points.

TellerScore
626465Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202465
Q4 202464
Q1 202562
Q2 202563
Q3 202565
Q4 202564
Q1 202665
Q2 202665
Net worth ratio
7.00%8.91%10.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.05%
Q3 202410.19%
Q4 202410.37%
Q1 202510.43%
Q2 202510.58%
Q3 202510.77%
Q4 202510.76%
Q1 202610.82%
Q2 202610.71%
Delinquent loans (60+ days)
0.54%0.68%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.61%
Q4 20240.79%
Q1 20250.74%
Q2 20250.79%
Q3 20250.70%
Q4 20250.83%
Q1 20260.72%
Q2 20260.75%
Return on assets
0.60%0.75%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.83%
Q3 20240.90%
Q4 20240.87%
Q1 20250.60%
Q2 20250.68%
Q3 20250.72%
Q4 20250.75%
Q1 20260.79%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.4B10.71%0.75%0.81%93.8%
Q1 202665$2.4B10.82%0.72%0.79%94.2%
Q4 202564$2.3B10.76%0.83%0.75%95.7%
Q3 202565$2.3B10.77%0.70%0.72%96.5%
Q2 202563$2.2B10.58%0.79%0.68%98.5%
Q1 202562$2.2B10.43%0.74%0.60%97.7%
Q4 202464$2.2B10.37%0.79%0.87%99.4%
Q3 202465$2.3B10.19%0.61%0.90%100.0%
Q2 202464$2.3B10.05%0.54%0.83%101.2%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.71%
46th
Problem loans0.75%
44th
Net charge-offs0.41%
64th
Return on assets0.81%
51st
Loans to deposits93.8%
30th
Uninsured deposits12.9%
21st
Loan-loss reserves0.00%
50th
Texas ratio5.7%
40th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs
Penair Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$2.8B11.5%0.60%vs
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Publix Employees Federal Credit UnionCredit union Lakeland, FL74 out of 100, Strong$1.8B11.3%0.48%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs

Deposit insurance

Is my money safe at Ithink Financial Credit Union?

Yes. Ithink Financial Credit Union is a federally insured credit union (NCUA charter #68663). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.9% of shares and deposits ($252.7M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

23 locations

Branches

Ithink Financial Credit Union lists 23 offices in 20 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ithink Financial Credit Union reported 1,177 home-loan applications under HMDA (LEI 5493003BXKRGHQHRJV38): 684 originated ($214,370,000 total), 320 denied, and 167 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ithink Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68663
RSSD ID
908889
Primary regulator
State + NCUA
Established
1969
Headquarters
P O Box 5090, Boca Raton, FL 33487
Employees
404

Quick answers

Ithink Financial Credit Union: common questions

Is Ithink Financial Credit Union NCUA insured?

Yes. Ithink Financial Credit Union is a federally insured credit union (NCUA charter #68663). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ithink Financial Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ithink Financial Credit Union have?

23 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Boca Raton

InstitutionScoreAssetsCapitalProblem loansCompare
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs