Side-by-side · Q2 2026 data
Thinkwise Federal Credit Union vs Redlands City Employees Federal Credit Union
Credit union
Thinkwise Federal Credit Union
San Bernardino, California · $100 million – $1 billion
Credit union
Redlands City Employees Federal Credit Union
Redlands, California · Under $100 million in assets
Metric by metric
| Measure | Thinkwise Federal Credit Union | Redlands City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 94 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 4th | 95th |
| Total assets | $122.8M | $10.2M |
| Deposits / shares | $109.6M | $7.5M |
| Capital ratio | 8.59% | 25.45% (stronger) |
| Problem loans | 1.48% | 0.00% (stronger) |
| Net charge-offs | 2.15% | 0.04% (stronger) |
| Return on assets | -0.63% | 1.50% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 73.7% |
| Uninsured deposits | 6.9% | 3.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Redlands City Employees Federal Credit Union has the higher TellerScore (94 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Thinkwise Federal Credit Union leads on 1 and Redlands City Employees Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.