Side-by-side · Q2 2026 data
Thinkwise Federal Credit Union vs United Local Credit Union
Credit union
Thinkwise Federal Credit Union
San Bernardino, California · $100 million – $1 billion
Metric by metric
| Measure | Thinkwise Federal Credit Union | United Local Credit Union |
|---|---|---|
| TellerScore | 47 | 79 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 51 | 93 (stronger) |
| Earnings | 0 | 18 (stronger) |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 4th | 76th |
| Total assets | $122.8M | $119.3M |
| Deposits / shares | $109.6M | $94.6M |
| Capital ratio | 8.59% | 20.14% (stronger) |
| Problem loans | 1.48% | 0.20% (stronger) |
| Net charge-offs | 2.15% | 0.58% (stronger) |
| Return on assets | -0.63% | -0.05% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 80.7% |
| Uninsured deposits | 6.9% (stronger) | 9.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
United Local Credit Union has the higher TellerScore (79 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Thinkwise Federal Credit Union leads on 2 and United Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.