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The Lender Report built this page from public records. Ithink Financial Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Ithink Financial Credit Union itself. Each figure shows its source and date. Work at Ithink Financial Credit Union? You can claim this page for free.
Credit union, Boca Raton, FL
Ithink Financial Credit Union
A credit union based in Boca Raton, FL. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $199M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 9
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 76
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.38B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 561-982-4700 From the NCUA record, June 30, 2026.
- Website
- www.ithinkfi.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- ithinkfi.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ITHINK FINANCIALNCUA 5300,
- Address
- P O Box 5090, Boca Raton, FL 33487NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Ithink Financial Credit Union's Construction balance rose 52.0% to $26.2M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 8.0% to $74.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 11.5% to $70.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Georgia | SBA 7(a), Assisted Living Facilities for the Elderly | $2.6M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Florists | $300K | 9.5% | 25 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Child Care Services | $940K | 8.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Other Waste Collection | $400K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Motorcycle, ATV, and All Other Motor Vehicle Dealers | $260K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Clothing and Clothing Accessories Retailers | $620K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Finish Carpentry Contractors | $100K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Painting and Wall Covering Contractors | $100K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Offices of Lawyers | $90K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | Florida | SBA 7(a), Other Personal Care Services | $300K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | Florida | SBA 7(a), Office Administrative Services | $55K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Landscaping Services | $1.6M | 8% | 25 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Other Services to Buildings and Dwellings | $60K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), All Other Personal Services | $55K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2026 | North Carolina | SBA 7(a), Bed-and-Breakfast Inns | $410K | 8.75% | 25 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Drywall and Insulation Contractors | $390K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Drycleaning and Laundry Services (except Coin-Operated) | $110K | 9.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Information | $80K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Barber Shops | $150K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Other Services to Buildings and Dwellings | $55K | 9.5% | 10 yr | SBA FOIA | |
| Dec 2025 | Florida | SBA 7(a), All Other Personal Services | $1.4M | 9.75% | 25 yr | SBA FOIA | |
| Dec 2025 | Florida | SBA 7(a), Other Personal and Household Goods Repair and Maintenance | $390K | 9% | 25 yr | SBA FOIA | |
| Dec 2025 | Florida | SBA 7(a), Fitness and Recreational Sports Centers | $150K | 9.75% | 10 yr | SBA FOIA | |
| Nov 2025 | Georgia | SBA 7(a), Couriers and Express Delivery Services | $820K | 10.25% | 10 yr | SBA FOIA | |
| Jun 2024 | Florida | SBA 504, Accommodation and Food Services | $770K | 25 yr | SBA FOIA | ||
| 75 SBA 7(a) loans since October 2023, net of cancelled | $42.9M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $5.85M | 0.3% | +12.6% | 3 | $1.95M |
| Construction and land development | $26.2M | 1.4% | Not reported | 4 | $6.56M |
| Owner-occupied CRE | $74.1M | 4.0% | +8.0% | 110 | $674K |
| Non-owner-occupied CRE | $70.2M | 3.8% | +11.5% | 47 | $1.49M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $23.0M | 1.3% | -31.5% | 126 | $183K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $199M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $130M |
| Q4 2023 | $123M |
| Q1 2024 | $126M |
| Q2 2024 | $135M |
| Q3 2024 | $142M |
| Q4 2024 | $147M |
| Q1 2025 | $165M |
| Q2 2025 | $172M |
| Q3 2025 | $176M |
| Q4 2025 | $181M |
| Q1 2026 | $188M |
| Q2 2026 | $199M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 20 | $3.73M | $110K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 75 | $42.9M | $310K | $3.7M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 26 | $11.7M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $770K | $770K | $770K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 9 | $28.6M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $800K | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $11M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 4 | $14.2M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 3 | $2.44M | NCUA 5300, | ||
| C&I | First half of 2026 | 24 | $3.16M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $6.56M |
| Multifamily | $1.95M |
| Owner-occupied CRE | $674K |
| Non-owner-occupied CRE | $1.49M |
| Commercial and industrial | $183K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 16 | 0 | 12 | 63 | 1 |
| Georgia | 7 | 0 | 2 | 10 | 0 |
| Texas | 0 | 0 | 2 | 0 | 0 |
| Maryland | 0 | 0 | 1 | 0 | 0 |
| Missouri | 0 | 0 | 1 | 0 | 0 |
| North Carolina | 0 | 0 | 0 | 1 | 0 |
| Nevada | 0 | 0 | 0 | 1 | 0 |
| Pennsylvania | 0 | 0 | 1 | 0 | 0 |
| Virginia | 0 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $291M | $152M to $495M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $227M | $0 to $409M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 77.8% | 0.0% to 85.4% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $37.5M | $18.8M to $74.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 40.9% | 21.9% to 65.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 77.0% | 55.9% to 86.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 20 1-4 unit investor loans with a known channel in 2025, 10 (50.0%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- Approval to first disbursement
- 33 days, median of 73
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Achieva Credit Union | FL | $3.25B | $193M |
| GTE Credit Union | FL | $3.12B | $205M |
| Penair Credit Union | FL | $2.82B | $208M |
| Community First Credit Union of Flo | FL | $3.21B | $240M |
| Addition Financial Credit Union | FL | $3.81B | $280M |
| First Commerce Credit Union | FL | $1.24B | $135M |
| Grow Financial Credit Union | FL | $3.92B | $203M |
| Campus USA Credit Union | FL | $4.04B | $449M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Ithink Financial Credit Union, NCUA charter 68663. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.38B in total assets and $199M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 9 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 96 loans in HMDA and SBA files, through September 30, 2026: 20 HMDA 1-4 unit investor 2025, 75 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Ithink Financial Credit Union]
- Phone and website. Phone 561-982-4700, from the NCUA record. Website ithinkfi.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68663
- RSSD
- 908889
- LEI
- 5493003BXKRGHQHRJV38
- The Lender Report ID
- lr_000761
- Main office county
- Palm Beach
- Members
- 120,666
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $2.4B in total assets as of June 30, 2026 (NCUA 5300).
- Held $199.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $74.1M of owner-occupied commercial real estate loans as of June 30, 2026, up 8.0% from a year earlier (NCUA 5300).
- Held $70.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 11.5% from a year earlier (NCUA 5300).
- Held $26.2M of construction and land loans as of June 30, 2026 (NCUA 5300).
- Originated 20 1-4 unit investor or business-purpose loans totaling $3.7M in 2025 (HMDA).
5 more sentences
- Recorded 83 SBA 7(a) approvals totaling $45.6M from October 1, 2023 to September 30, 2026, of which 8 were later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $770K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 9 real-estate-secured commercial loans totaling $28.6M in the first half of 2026 (NCUA 5300).
- Held $7.9M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 23 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Ithink Financial Credit Union, https://lender.report/lender/ithink-financial-credit-union-fl/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Ithink Financial Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem