# ITHINK FINANCIAL
Boca Raton, FL · NCUA charter 68663 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ithink-financial-68663

Who the members are: state charter, organized 1969, low-income designated. 118,280 members of 14,727,734 potential (0.8% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.36B |
| Members | 118,280 (4.2% YoY) |
| Full-time staff | 389 |
| Net worth | $249.2M |
| Net worth ratio | 10.6% (p47 of band) |
| ROA (annualized) | 0.79% (p58 of band) |
| Total delinquency | 0.72% (p62 of band) |
| Net charge-offs (annualized) | 0.46% (p45 of band) |
| Loans / shares | 94% (p77 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 7.33% |
| Net interest margin | 3.13% (p38 of band) |
| Operating expense / assets | 2.69% (p23 of band) |
| Vehicles % of loans | 18% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 87% (p36 of band) |
| Vehicle delinquency | 0.76% (p64 of band) |
| Vehicle NCO | 1.28% (p65 of band) |
| Repossessed % of vehicle book | 0.17% (p75 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 80% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 35% |
| Average share balance | $8,141 |
| Participations bought / yr | $0 |
| Participations sold / yr | $40.4M |
| Participations outstanding | $57.6M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $45,187 |
| Loans granted, annualized | $395.1M |

## Participation posture (from the same filings)

Bought $0 and sold $40.4M in the latest annualized quarter; $57.6M outstanding purchased (23.1% of net worth), $34.7M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, margin squeeze |  |
| 2019-09 | 1 | repo signal | net worth falling, margin squeeze |
| 2019-12 | 1 | thin capital | repo signal |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | thin capital |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | repo signal |  |
| 2023-12 | 3 |  | repo signal |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 2 |  | delinquency rising, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Lynyrd Skynyrd Setlist: What to Expect From Their 2026 Tour Dates - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBYZlZjVVQ0RGE0akhWdnFodEM2REZoWl9lYU9teW44Ty00NXMwb2Z6ZHFPRExuVGFUVkxlWGtFUW40elpESzFIbDNUeWE5cXlDLVU5WTdaWkpkbUM3ZUxob1ZrRQ?oc=5) · Ticketmaster Blog
- 2026-06-22 [Hilary Duff Kicks Off The Lucky Me Tour - antiMusic](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdi1BM01LRDkzZEQ1cUVHbXByNE1xMVlTQkZCMDliTENFVkJscnRiTnQ1c0E1aXV3WWRhQmwySGFWUFlEdm5mMWV0ZUR2LTdvbS1hM01xd3UtVEVZWG9rYU1reVctWG1vWmcwU09NY25PTjk0ay1YZUt2ajJuZXRoZXJ3eFVfcnlJ?oc=5) · antiMusic
- 2026-05-27 [Kehlani Takes the "Kehlani World Tour" Across North America With 33 Dates This Fall - That Eric Alper](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOVnZIdW5RdEM1UGF1d0JTZlVGRm9fV2ttRzFWZ1ZqckdVWHVpNy1WXzlnV3dTVExVUWJJeExYSk05d2M5R2VOQkt3ZHZQdkU0UzBscW80YlBHUnlES0lCN3dieF9UU3huZUFKeGdkNzROSHNoMFF2YXlBZWF5UnZwR01pYVFVTFZtc2ZacjNKZ0JyeXpZQUlBNFVkLWlSYmE4UW0xUjlnNzU2NVZyX3UtY1lmenZBUDd1Wm9hVHBEWVI?oc=5) · That Eric Alper
- 2026-01-15 [ROB ZOMBIE and MARILYN MANSON announce "Freaks on Parade" co-headline tour - Revolver Magazine](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTWkxNUhvVE12NXJOVVpvVnFSQjJ6dEZSUTdKb2QzdUV0RV8zYXktd2R4cWZjSG5uNnJ3UTd6Ump5YnRwMnpwNnRTb3czdUZzMEl0X2xmdzQ2czFqRllXZ3R1VmlKeDR4NzdVTHRwYWMzOURNWk5Yc2dsd1lTQmUwUWtUVGZQWDRxQnBKZEZWQlE3d2c4a1g0d3Q1X2ZJT2hueTF3NlFwaXRLMkZW?oc=5) · Revolver Magazine
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2025-07-09 [Financial branch in Boca Raton could be redeveloped with apartments - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdW5ZcDhEVl9CVUN2M28wUktiT05CWXdhd3FqY0R3RVJvSmtNbHVsbnJCRnBJd1BhMEhpWmtyNFl1Q1pkakhvdnBUX2RvZzltX2VWb2hHbWhLMGFfTWdLTWNMNTZNVVZLeS1weGktNlB2WnozWnFGaFNuSV8xWWtqTkdkbk95WW5wTEpwNW01SFVWOGgyQUdDM3pXLWdEVUczRTNQRkw2RXB4VnB4cVFUOA?oc=5) · The Business Journals
- 2026-02-21 [Here’s Where to Find the Cheapest Tickets for Hilary Duff’s Upcoming “Lucky Me” Tour - SheKnows](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdTl0ZFEzUUl1emNlOWZZNzhJblV1UndJUGlHRzZHNjlpelhMWW1LSGxyUklFVjVmeXZyNThLU2p3X2FYNnp3ZDlweVF0ZXFTQVNZTHFCcFBqOWV4a3lxQ3lpZ2pxVEJJTVRDeV96ckVDWTlZMjJrQUxYOWNFRWNVa1dIWVQwT1M0bG9Ub1lvVENXZjdGbzFj?oc=5) · SheKnows
- 2026-05-23 [Hank Williams Jr. Hits the Road This Summer With Joe Nichols, Sammy Kershaw, and The Marshall Tucker Band - That Eric Alper](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNcDhzSmxTVk4tVUdYNkVYRjBnN0FCWER0ODBmd2ZkVUFmRExFbWNGN2RCUHlZM0ZQaU1PejZDRjhHaF8zTnBlZ053dHVrSURNQ3J3NFpZMExQZlFFTWtxR2tDOVFQQ2hUZVFjQ1hKMklZSEt6LXRYZHdxY1dfR21vREV3a2lWUVJsdU43aHJnZ0RYTHg3dHZlYUNJUTgxUHN3NW5OUjFDSFZURDRMdHNGZEpDU1hWVDVTVUFHTkF1eUdhaXpXeWpjM05henZGaDNwdkxBblpiYWRIWXlp?oc=5) · That Eric Alper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68663 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "68663", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68663
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide