TellerScore

Thinkwise Federal Credit Union is a federal credit union headquartered in San Bernardino, California, in business for about 74 years. At the end of Q2 2026 it reported $122.8M in total assets and $109.6M in member shares and deposits, with 2 offices.

Thinkwise Federal Credit Union has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 232nd. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 7% uninsured); earnings contributes the least (0/100, -0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.59%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.48%
Earnings0/100
Return on assets (annualized): -0.63%
Funding & liquidity100/100
Loans ÷ shares: 51.2% · 6.9% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 16 points (63 → 47), mostly because the earnings component weakened by 31 points.

TellerScore
475664Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202462
Q4 202460
Q1 202563
Q2 202563
Q3 202564
Q4 202554
Q1 202650
Q2 202647
Net worth ratio
7.00%8.39%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.71%
Q3 20249.79%
Q4 20249.25%
Q1 20259.21%
Q2 20259.25%
Q3 20259.29%
Q4 20259.13%
Q1 20268.71%
Q2 20268.59%
Delinquent loans (60+ days)
0.51%1.02%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.36%
Q3 20240.51%
Q4 20240.55%
Q1 20250.67%
Q2 20250.66%
Q3 20250.68%
Q4 20251.53%
Q1 20261.10%
Q2 20261.48%
Return on assets
-1.24%-0.40%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.37%
Q3 2024-0.05%
Q4 2024-0.15%
Q1 20250.29%
Q2 20250.28%
Q3 20250.44%
Q4 20250.26%
Q1 2026-1.24%
Q2 2026-0.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$122.8M8.59%1.48%-0.63%51.2%
Q1 202650$121.2M8.71%1.10%-1.24%48.5%
Q4 202554$119.8M9.13%1.53%0.26%50.7%
Q3 202564$119.2M9.29%0.68%0.44%51.7%
Q2 202563$117.3M9.25%0.66%0.28%52.5%
Q1 202563$116.9M9.21%0.67%0.29%54.6%
Q4 202460$115.5M9.25%0.55%-0.15%57.3%
Q3 202462$111.1M9.79%0.51%-0.05%62.0%
Q2 202451$110.4M9.71%1.36%-0.37%64.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.59%
8th
Problem loans1.48%
14th
Net charge-offs2.15%
1st
Return on assets-0.63%
1st
Loans to deposits51.2%
89th
Uninsured deposits6.9%
41st
Loan-loss reserves0.00%
50th
Texas ratio8.0%
21st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
United Local Credit UnionCredit union Fresno, CA79 out of 100, Strong$119.3M20.1%0.20%vs
Sea Air Federal Credit UnionCredit union Seal Beach, CA64 out of 100, Moderate$118.8M23.4%1.87%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
LA Loma Federal Credit UnionCredit union Loma Linda, CA70 out of 100, Strong$116.6M9.7%0.22%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs

Deposit insurance

Is my money safe at Thinkwise Federal Credit Union?

Yes. Thinkwise Federal Credit Union is a federally insured credit union (NCUA charter #7770). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($7.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.59%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Thinkwise Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Thinkwise Federal Credit Union
Type
Federal credit union
NCUA charter #
7770
RSSD ID
78287
Primary regulator
NCUA
Established
1952
Headquarters
599 N E St, San Bernardino, CA 92401
Employees
26

Quick answers

Thinkwise Federal Credit Union: common questions

Is Thinkwise Federal Credit Union NCUA insured?

Yes. Thinkwise Federal Credit Union is a federally insured credit union (NCUA charter #7770). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Thinkwise Federal Credit Union's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Thinkwise Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Bernardino

InstitutionScoreAssetsCapitalProblem loansCompare
Redlands City Employees Federal Credit UnionCredit union Redlands, CA94 out of 100, Very strong$10.2M25.4%0.00%vs
Ontario Public Employees Federal Credit UnionCredit union Ontario, CA87 out of 100, Very strong$23.2M15.5%1.02%vs
Vida Federal Credit UnionCredit union Ontario, CA83 out of 100, Strong$174.6M13.8%0.13%vs
Novo Federal Credit UnionCredit union Norco, CA80 out of 100, Strong$21.4M13.2%0.43%vs
HCN BankBank Riverside, CA79 out of 100, Strong$998.4M11.7%0.00%vs
Chino Commercial Bank, N.A.Bank Chino, CA79 out of 100, Strong$516.7M12.5%0.49%vs