Side-by-side · Q2 2026 data
Thinkwise Federal Credit Union vs Santa Ana Federal Credit Union
Credit union
Thinkwise Federal Credit Union
San Bernardino, California · $100 million – $1 billion
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Thinkwise Federal Credit Union | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 90 (stronger) |
| Capital cushion | 36 | 85 (stronger) |
| Loan quality | 51 | 98 (stronger) |
| Earnings | 0 | 81 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 4th | 95th |
| Total assets | $122.8M | $111.6M |
| Deposits / shares | $109.6M | $95.7M |
| Capital ratio | 8.59% | 13.47% (stronger) |
| Problem loans | 1.48% | 0.06% (stronger) |
| Net charge-offs | 2.15% | -0.01% (stronger) |
| Return on assets | -0.63% | 1.52% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 70.6% |
| Uninsured deposits | 6.9% | 4.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Thinkwise Federal Credit Union leads on 1 and Santa Ana Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.