Innovations Financial

Panama City, FL · 2 · Charter #68732 · www.innovationsfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$651.9M
73th percentile
Members
27,089
47th percentile
Total loans
$518.2M
81th percentile
Total shares
$566.0M
76th percentile

Profitability

Return on assets
0.97%
50th percentile
Net interest margin
3.33%
40th percentile
Efficiency ratio
54.82%
68th percentile
Non-interest income ratio
22.20%
70th percentile

Capital & Risk

Net worth ratio
9.27%
22th percentile
Delinquency rate
0.14%
95th percentile
Net charge-off rate
0.40%
52th percentile
Loan-to-share
91.56%
78th percentile

Growth

Member growth YoY
2.96%
76th percentile
Asset growth YoY
5.99%
58th percentile
Loan growth YoY
15.47%
93th percentile
Share growth YoY
2.00%
28th percentile

Operations

Members / branch
3,010
16th percentile
Assets / member
$24,065
89th percentile
Field of membership penetration
4.13%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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