Federal credit union · San Bernardino, California · NCUA charter #7770
THINKWISE
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $119.8M
- Total assets
- 6,177
- Members
- 8.7%
- Net-worth ratio
THINKWISE scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119.8M; members 6,177; net-worth ratio 8.71%; health rank #3,727 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,727 of 4,374 health · 2025Q4THINKWISE · health 68/100 · $119.8M · 2025Q4
Call Report peers
THINKWISE in the assets neighbourhood
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THINKWISE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); THINKWISE sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for THINKWISE
- Largest lag: Loan-to-Share Ratio at 50.71% vs peer 72.20% (-21.49 pp).
THINKWISE in California
- California health ordinal: #217 of 243.
- By total assets, THINKWISE is #140 of 243 in California.
- California membership ordinal: #148 of 243.
- One place up in California, PARISHIONERS (#216) ties at 68/100; one place down, SKYONE (#218) ties at 68/100.
Quarter path for THINKWISE
THINKWISE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $119.8M (2025Q4) to $121.2M (2026Q1).
- Net-worth ratio shifted -0.42 pp (9.13% → 8.71%).
8.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
THINKWISE gives up 32 points in total. Return on Assets costs the most, 11.8 of its 15; Net Worth Ratio loses the least, 3.2.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 16.0 pts
- Return on Assets 3.2 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for THINKWISE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.71% | -3.40 pp |
| Delinquency Rate | 1.53% | +0.64 pp |
| Return on Assets | -0.15% | -0.77 pp |
| Member Growth | 2.27% | - |
| Loan-to-Share Ratio | 50.71% | -21.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $121.2M | - |
| 2025Q4 | $119.8M | 6,177 |
| 2024Q4 | $115.5M | 6,040 |
| 2023Q4 | $111.3M | 6,041 |
Credit Union Details
- Charter Number
- 7770
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- San Bernardino
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, THINKWISE runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| E Street Branch (HQ) (Main Office) | San Bernardino, CA |
| Rialto Branch | Rialto, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- THINKWISE ranks #3,727 of 4,374 nationally on financial health and #217 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Local is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Local
Frequently Asked Questions
Is THINKWISE financially healthy?
On its 2025Q4 NCUA 5300 filing, THINKWISE scores 68/100 (Good), with a 8.71% net worth ratio and 1.53% of loans delinquent. It ranks #3,727 of 4,374 nationally on health and #217 of 243 in California.
How does THINKWISE compare to other credit unions?
THINKWISE scores 68/100, higher than 15% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.71% vs 72.20%).
How can I join THINKWISE?
THINKWISE is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact THINKWISE directly to confirm eligibility.
Is my money safe at THINKWISE?
THINKWISE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. THINKWISE's net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.