Civic Intelligence

Ithink Financial Credit Union

EIN 59-1286880 • 501(c)14 • Delray Beach, FL

View Organization Page

Profile

To deliver service excellence to the membership and the communities we serve while ensuring the safety and soundness of the credit union.

1000 NW 17 AveDelray Beach, FL 33445-2555

ithinkfi.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

70th percentile

0.92x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

46th percentile

15.17x

Higher debt load relative to revenue than 46% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

74th percentile

14%

Higher net margin than 74% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

1.3%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

67th percentile

22%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$2,214,503,227

Up $28,725,019 (+1.3%) from 2023

Liabilities

Up

$2,030,288,999

Up $4,782,574 (+0.2%) from 2023

Net Assets

Up

$184,214,228

Up $23,942,445 (+15%) from 2023

Operations
Liabilities / Revenue46th percentileNet Margin74th percentile

Revenue

Up

$133,877,746

Up $24,524,155 (+22%) from 2023

Expenses

Up

$114,596,734

Up $18,372,742 (+19%) from 2023

Net Income

Up

$19,281,012

Up $6,151,413 (+47%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0B$2.0B$1.0B$0Assets 2015: $892,481,354Liabilities 2015: $808,709,303Net Assets 2015: $83,772,0512015Assets 2016: $940,271,063Liabilities 2016: $849,512,093Net Assets 2016: $90,758,9702016Assets 2017: $1,079,137,224Liabilities 2017: $980,290,677Net Assets 2017: $98,846,5472017Assets 2018: $1,132,677,018Liabilities 2018: $1,025,942,635Net Assets 2018: $106,734,3832018Assets 2020: $1,712,161,633Liabilities 2020: $1,580,719,628Net Assets 2020: $131,442,0052020Assets 2021: $1,871,522,123Liabilities 2021: $1,721,758,777Net Assets 2021: $149,763,3462021Assets 2022: $2,178,700,861Liabilities 2022: $2,028,936,151Net Assets 2022: $149,764,7102022Assets 2023: $2,185,778,208Liabilities 2023: $2,025,506,425Net Assets 2023: $160,271,7832023Assets 2024: $2,214,503,227Liabilities 2024: $2,030,288,999Net Assets 2024: $184,214,2282024

Highlighted filing

2024

Assets$2,214,503,227
Liabilities$2,030,288,999
Net Assets$184,214,228
Open 2024 Filing

Operations Trend

Revenue Growth67th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150M$100M$50M$0Revenue 2015: $22,271,522Expenses 2015: $16,530,493Net Income 2015: $5,741,0292015Revenue 2016: $45,334,055Expenses 2016: $37,097,058Net Income 2016: $8,236,9972016Revenue 2017: $52,976,687Expenses 2017: $44,164,118Net Income 2017: $8,812,5692017Revenue 2018: $60,890,654Expenses 2018: $50,168,360Net Income 2018: $10,722,2942018Revenue 2020: $83,061,032Expenses 2020: $71,355,061Net Income 2020: $11,705,9712020Revenue 2021: $78,735,447Expenses 2021: $61,171,316Net Income 2021: $17,564,1312021Revenue 2022: $86,426,438Expenses 2022: $67,193,462Net Income 2022: $19,232,9762022Revenue 2023: $109,353,591Expenses 2023: $96,223,992Net Income 2023: $13,129,5992023Revenue 2024: $133,877,746Expenses 2024: $114,596,734Net Income 2024: $19,281,0122024

Highlighted filing

2024

Revenue$133,877,746
Expenses$114,596,734
Net Income$19,281,012
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$2,214,503,227
Liabilities
$2,030,288,999
Net assets
$184,214,228
Revenue
$133,877,746
Expenses
$114,596,734
Net income
$19,281,012
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,215$2,030$184$134$115$19.3
2023Detailed filing. Detailed filing data is available for this year.$2,186$2,026$160$109$96.2$13.1
2022Detailed filing. Detailed filing data is available for this year.$2,179$2,029$150$86.4$67.2$19.2
2021Detailed filing. Detailed filing data is available for this year.$1,872$1,722$150$78.7$61.2$17.6
2020Detailed filing. Detailed filing data is available for this year.$1,712$1,581$131$83.1$71.4$11.7
2018Detailed filing. Detailed filing data is available for this year.$1,133$1,026$107$60.9$50.2$10.7
2017Detailed filing. Detailed filing data is available for this year.$1,079$980$98.8$53.0$44.2$8.81
2016Detailed filing. Detailed filing data is available for this year.$940$850$90.8$45.3$37.1$8.24
2015Detailed filing. Detailed filing data is available for this year.$892$809$83.8$22.3$16.5$5.74
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$133,877,746
Mission and Program Overview

Mission

To deliver service excellence to the membership and the communities we serve while ensuring the safety and soundness of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,771,762,012$1,769,173,989▼ $2,588,023
Rtn Earn Endowment Incm Other Fnds$160,271,783$184,214,228▲ $23,942,445
Savings and Temporary Cash Investments$158,556,967$156,472,213▼ $2,084,754
Investments in Publicly Traded Securities$117,723,725$148,110,894▲ $30,387,169
Land, Buildings, and Equipment, Net$22,818,136$21,533,680▼ $1,284,456
Intangible Assets$14,024,867$13,704,210▼ $320,657
Receivables From Officers Etc$11,715,259$12,207,332▲ $492,073
Cash and Non-Interest-Bearing Accounts$11,449,122$11,093,609▼ $355,513
Investments Other Securities$11,189,381$10,719,164▼ $470,217
Accounts Receivable$4,430,611$5,011,319▲ $580,708
Prepaid Expenses and Deferred Charges$1,931,760$3,443,463▲ $1,511,703
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,185,778,208$2,214,503,227▲ $28,725,019
Other Assets Total$60,176,368$63,033,354▲ $2,856,986
Liabilities
Other Liabilities$1,766,632,419$1,802,420,811▲ $35,788,392
Mortgage Notes Payable Secured by Investment Property$215,500,000$185,500,000▼ $30,000,000
Accounts Payable and Accrued Expenses$23,648,311$22,592,493▼ $1,055,818
Unsecured Notes Loans Payable$19,725,695$19,775,695▲ $50,000
Total Liabilities$2,025,506,425$2,030,288,999▲ $4,782,574
Net Assets / Fund Balance
Total Net Assets Fund Balance$160,271,783$184,214,228▲ $23,942,445
Total Liabilities and Net Assets / Fund Balance$2,185,778,208$2,214,503,227▲ $28,725,019

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,938,401$7,017,573$16,955,974
Equipment$3,379,828$13,378,657$16,758,485
Land$7,966,552-$7,966,552
Leasehold Improvements$248,815$1,386,641$1,635,456
Other Land Buildings$84$150,169$150,253
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MillerCEOFT$749,989$266,100$1,016,089
Jeffrey KolhagenCFOFT$300,417$148,869$449,286
Mark SkinnerCLOFT$287,176$133,910$421,086
Nicole HeffelfingerCROFT$261,405$111,203$372,608
Benjamin MaffettSba & Commercial Sales ManagerFT$92,148$267,325$359,473
Edison CervantesCTOFT$255,136$92,970$348,106
Benjamin SturgellGeneral CounselFT$223,889$81,565$305,454
Anthony FurinoAvp Commercial LendingFT$157,510$66,083$223,593
Bradley StewartAvp Risk ManagementFT$146,335$64,907$211,242
Stephen JohnsonAvp Administration & MarketingFT$145,378$63,341$208,719
Marie I MascaroBoard Director-$7,049-$7,049
Randee AbramsonAudit Committee-$6,969-$6,969
Juana T KrauseBoard Director-$6,752-$6,752
Frank MaysAudit Committee-$5,024-$5,024
Hilary HunterAudit Committee-$4,793-$4,793
Donald L LeeBoard Director-$4,784-$4,784
Michael W TownsendBoard Chairperson-$3,289-$3,289
Shawn M LimerickAudit Committee-$3,250-$3,250
Brad J DebaucheBoard Vice Chairperson-$2,234-$2,234
Johnny BennettBoard Treasurer-$1,581-$1,581
Stephanie M ForsterBoard Secretary-$1,552-$1,552
Peter L BlacklockBoard Director-$1,162-$1,162
Thomas E BrawleyBoard Director-$1,068-$1,068

Highest Paid Contractors

ContractorServicesLocationCompensation
Cubus SolutionsWeb Design5331 S MACADAM AVE STE 251, Portland, OR 97239$826,429
Corelation INCCore Processor2395 HISOTRIC DECATUR RD STE 300, San Diego, CA 92106$616,739
Marquis Software Solutions INCMarketingPO BOX 660919, Dallas, TX 75266$529,667
Ttec Digital LLCCommunicationsPO BOX 856660, Minneapolis, MN 55485$522,222
5400 Congress LLCRent790 PARK OF COMMERCE BLVD STE 200, Boca Raton, FL 33487$509,849
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$114,217,362
Investment Income
$13,335,777
Other Revenue
$6,324,607
Change in Net Assets
$19,281,012

Audited Revenue Reconciliation

Revenue per Audited Statements
$133,877,746
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$133,877,746
Total Revenue per Form 990
$133,877,746
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$77,323,549
Salaries, Compensation, and Employee Benefits$37,193,263
Grants and Similar Amounts Paid$79,922
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$46,544,851
Other Salaries and Wages---$26,068,620
Office Expenses---$5,989,126
Other Employee Benefits---$5,317,766
Advertising---$2,917,488
Occupancy---$2,888,393
Current Officers, Directors, Trustees, and Key Employees---$2,656,682
Payroll Taxes---$1,978,117
Depreciation Depletion---$1,799,952
Pension Plan Contributions---$1,172,078
Fees for Services Other---$1,047,199
Fees for Services Accounting---$945,640
Travel---$944,768
Other Expenses---$720,818
Fees for Services Management---$679,828
All Other Expenses---$556,056
Payments to Affiliates---$189,995
Grants to Domestic Orgs---$79,922
Fees for Services Legal---$79,695
Total Functional Expenses$0$0$0$114,596,734

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$114,596,734
Total Expenses per Audited Statements$114,596,734
Total Expenses per Form 990$114,596,734
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Ithink Community FoundationDelray Beach, FL501(c)(3)To Support the Mission of Improving the Lives of Children and Families in the Community.$79,922
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$11,715,259$12,207,332▲ $492,073
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates of Deposit$711,420,832
Share Drafts$429,170,199
Shares$368,796,155
Money Market$287,763,959
Right of Use Lease Liability$5,269,666
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Ithink financial credit union has members and requires a $5 share account to be a member.”

Form 990, Part VI, Section A, Line 7A

“The credit union membership may participate in the election of officials.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by the ceo and cfo prior to being filed. The form 990 is also reviewed by an independent accounting firm.”

Form 990, Part VI, Section B, Line 12C

“Ithink financial credit union regularly monitors and enforces the compliance of their conflict of interest policy.”

Form 990, Part VI, Section B, Line 15A

“An outside company was used to analyze the pay structure for the ceo. The board executive committee reviews it annually.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are available for public viewing on ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Ithink Financial Credit Union
EIN
59-1286880
Phone
5619824700
Address
1000 NW 17 AVE, DELRAY BEACH, FL 33445-2555
Doing Business As
Ithink Financial

Signing Officer

Name
Michael Miller
Title
CEO
Phone
5619824700
Signed
2025-11-13

Organization Details

Principal Officer
Michael Miller
Formed
1969
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
455
Volunteers
13

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Shared branching expense 556,056.”

FORM 990, PART XI, LINE 9:

“Net change in defined benefit plan 3,781,125.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 838 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1485969
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1572216
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1650975
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2139745
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2239850
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL W TOWNSEND
IRS990/Form990PartVIISectionAGrp/PersonNm1BRAD J DEBAUCHE
IRS990/Form990PartVIISectionAGrp/PersonNm2STEPHANIE M FORSTER
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHNNY BENNETT
IRS990/Form990PartVIISectionAGrp/PersonNm4PETER L BLACKLOCK
IRS990/Form990PartVIISectionAGrp/PersonNm5THOMAS E BRAWLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6JUANA T KRAUSE
IRS990/Form990PartVIISectionAGrp/PersonNm7MARIE I MASCARO
IRS990/Form990PartVIISectionAGrp/PersonNm8DONALD L LEE
IRS990/Form990PartVIISectionAGrp/PersonNm9RANDEE ABRAMSON
IRS990/Form990PartVIISectionAGrp/PersonNm10HILARY HUNTER
IRS990/Form990PartVIISectionAGrp/PersonNm11FRANK MAYS
IRS990/Form990PartVIISectionAGrp/PersonNm12SHAWN M LIMERICK
IRS990/Form990PartVIISectionAGrp/PersonNm13MICHAEL MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm14JEFFREY KOLHAGEN
IRS990/Form990PartVIISectionAGrp/PersonNm15MARK SKINNER
IRS990/Form990PartVIISectionAGrp/PersonNm16NICOLE HEFFELFINGER
IRS990/Form990PartVIISectionAGrp/PersonNm17EDISON CERVANTES
IRS990/Form990PartVIISectionAGrp/PersonNm18BENJAMIN MAFFETT
IRS990/Form990PartVIISectionAGrp/PersonNm19BENJAMIN STURGELL
IRS990/Form990PartVIISectionAGrp/PersonNm20ANTHONY FURINO
IRS990/Form990PartVIISectionAGrp/PersonNm21BRADLEY STEWART
IRS990/Form990PartVIISectionAGrp/PersonNm22STEPHEN JOHNSON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt17CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt18SBA & COMMERCIAL SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt20AVP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21AVP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt22AVP ADMINISTRATION & MARKETING
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IRS990/ReconcilationRevenueExpnssAmt019281012
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01

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