INNOVATIONS FINANCIAL
State-Chartered • Panama City, Florida • Est. 1952
Quick Facts
- Charter Number
- #68732
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Panama City, Florida 32405-4501
- Address
- 101 E 23rd St
- Branches
- 10
- ATMs
- 9
- Members
- 27,575
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
27,575 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | INNOVATIONS FINANCIAL |
|---|---|
| Total Assets | $674.0M |
| Members | 27,575 |
| Loans Outstanding | $536.0M |
| Shares & Deposits | $606.3M |
| Net Worth | $61.7M |
| Net Worth Ratio | 9.59% |
| Loan-to-Share Ratio | 88.4% |
| Delinquency Rate | 0.11% |
| Net Income | +$1,198,117 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
10 locations · 9 ATMs
Innovations FCU-Harrison
1038 Harrison Ave
Panama City, FL 32401
Innovations FCU-East 23RD
Main Office101 E 23rd St
Panama City, FL 32405-4501
Innovations FCU-West 23RD
512 W 23rd St
Panama City, FL 32405-3919
Innovations FCU-Back Beach
17900 Panama City Beach Pkwy
Panama City Beach, FL 32413-5503
Innovations FCU-Callaway
123 N Tyndall Pkwy
Panama City, FL 32404-6431
Who Can Join INNOVATIONS FINANCIAL?
Membership Type: Community
Membership eligibility for INNOVATIONS FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact INNOVATIONS FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Florida
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Florida RankingsFrequently Asked Questions
INNOVATIONS FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, INNOVATIONS FINANCIAL has 27,575 members and a potential membership field of 666,316 people.
INNOVATIONS FINANCIAL's reported net worth ratio is 9.59% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
INNOVATIONS FINANCIAL operates 10 branch locations and has access to 9 ATMs. The main office is located at 101 E 23rd St, Panama City, FL 32405-4501.
INNOVATIONS FINANCIAL was established in 1952. It is a state-chartered credit union chartered under charter number 68732. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or INNOVATIONS FINANCIAL. All financial data is for informational purposes only.