Side-by-side · Q2 2026 data
Thinkwise Federal Credit Union vs Sea Air Federal Credit Union
Credit union
Thinkwise Federal Credit Union
San Bernardino, California · $100 million – $1 billion
Metric by metric
| Measure | Thinkwise Federal Credit Union | Sea Air Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 64 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 51 (stronger) | 38 |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 4th | 31st |
| Total assets | $122.8M | $118.8M |
| Deposits / shares | $109.6M | $90.8M |
| Capital ratio | 8.59% | 23.39% (stronger) |
| Problem loans | 1.48% (stronger) | 1.87% |
| Net charge-offs | 2.15% | 0.48% (stronger) |
| Return on assets | -0.63% (stronger) | -0.69% |
| Loans ÷ deposits | 51.2% | 49.6% (stronger) |
| Uninsured deposits | 6.9% | 5.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sea Air Federal Credit Union has the higher TellerScore (64 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Thinkwise Federal Credit Union leads on 2 and Sea Air Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.