iTHINK Financial Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (46%), consumer loans (18%), other (36%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1000 NW 17th Avenue
Delray Beach, FL 33445
Delray Beach, FL 33445
Phone Number
(561) 982-8712
NCUA Charter Number
Website
Largest Competitors
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