INNOVATIONS FINANCIAL
Panama City, FL · State Credit Union · Chartered in FL
Who can join
Type 99
Members
27,575
Net Worth Ratio
9.59%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$674.0M
Peer Group 6
Members
27,575
as of latest quarter
Net Worth Ratio
9.59%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$674.0M
Total Shares
$606.3M
Total Loans
$536.0M
Net Income
$1.2M
Net Worth Ratio
9.59%
≥7% = Well Capitalized
Members
27,575
Return on Assets
0.18%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.07%
$369K
Loan-to-share ratio: 88.4%· healthy range 60–80%
Branch Locations
NCUAInnovations FCU-East 23RD
101 E 23rd St, Panama City, FL, 32405-4501
Mon-Fri 9am-5pm
Innovations FCU-West 23RD
512 W 23rd St, Panama City, FL, 32405-3919
Lobby Mon-Fri 9am-5pm Drive-thru Mon-Fri 8am-5pm
Innovations FCU-Back Beach
17900 Panama City Beach Pkwy, Panama City Beach, FL, 32413-5503
Lobby Mon-Fri 8am-5pm
Innovations FCU-Callaway
123 N Tyndall Pkwy, Panama City, FL, 32404-6431
Lobby Mon-Fri 9am-5pm Drive-thru Mon-Fri 8am-5pm
Innovations FCU-Chipley
976 Main St, Chipley, FL, 32428-1926
Lobby Mon-Fri 8am-5pm
Innovations FCU-Lynn Haven
2250 S Highway 77, Lynn Haven, FL, 32444-4620
Lobby Mon-Fri 9am-5pm Drive-thru Mon-Fri 8am-5pm
Innovations FCU-Middle Beach
12501 Hutchison Blvd, Panama City Beach, FL, 32407-3240
Lobby Mon-Fri 9am-5pm Drive-thru Mon-Fri 8am-5pm
Innovations FCU-Navy BLVD
910 Navy Boulevard, Panama City Beach, FL, 32408-7442
Lobby Mon-Fri 9am-5pm Drive-thru Mon-Fri 8am-5pm
Innovations FCU-Harrison
1038 Harrison Ave, Panama City, FL, 32401
Lobby M-F 9 AM -5 PM Drive Thru M-F 8 AM - 5 PM
Innovations FCU-Bonifay
402 N Waukesha ST, Bonifay, FL, 32425-2014
Lobby M-F 9 AM - 5 PM Drive Thru M-F 8 AM - 5 PM
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
Embed This Profile
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/innovations-financial" target="_blank" rel="noopener">View INNOVATIONS FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.