INNOVATIONS FINANCIAL
State-Chartered • Panama City, Florida • Est. 1952
Quick Facts
- Charter Number
- #68732
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Panama City, Florida 32406
- Address
- P. O. Box 15529
- Branches
- 9
- ATMs
- 9
- Members
- 27,089
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
27,089 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | INNOVATIONS FINANCIAL |
|---|---|
| Total Assets | $651.9M |
| Members | 27,089 |
| Loans Outstanding | $518.2M |
| Shares & Deposits | $585.3M |
| Net Worth | $60.5M |
| Net Worth Ratio | 9.64% |
| Loan-to-Share Ratio | 88.5% |
| Delinquency Rate | 0.14% |
| Net Income | +$7,471,903 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 9 ATMs
Innovations FCU-Harrison
1038 Harrison Ave
Panama City, FL 32401
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
Innovations FCU-Chipley
976 Main St
Chipley, FL 32428-1926
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.
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View Florida RankingsFrequently Asked Questions
Yes. INNOVATIONS FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, INNOVATIONS FINANCIAL has 27,089 members and a potential membership field of 656,314 people.
INNOVATIONS FINANCIAL's net worth ratio is 9.64% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, INNOVATIONS FINANCIAL meets this threshold.
INNOVATIONS FINANCIAL operates 9 branch locations and has access to 9 ATMs. The main office is located at 910 Navy Boulevard, Panama City Beach, FL 32408-7442.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or INNOVATIONS FINANCIAL. All financial data is for informational purposes only.