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
- HEALTH 68/100
- NW 8.7%
- DELQ 1.53%
- ROA -0.15%
- ASSETS $119.8M
- MEM 6,177
- RANK #3,727/4,374
- PHOTO River Valley
- BOOK 7770
Call Report peers
THINKWISE in the assets neighbourhood
THINKWISE's $119.8M assets sit next to River Valley ($119.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
THINKWISE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
THINKWISE - Share Insurance Coverage
Charter #7770's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for THINKWISE
- Largest lag: Loan-to-Share Ratio at 50.71% vs peer 72.20% (-21.49 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for THINKWISE
THINKWISE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $119.8M (2025Q4) to $121.2M (2026Q1).
- Net-worth ratio shifted -0.42 pp (9.13% → 8.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for THINKWISE - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($119.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is THINKWISE financially healthy?
A 8.71% net worth ratio and a 1.53% delinquency rate feed into THINKWISE's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,727 of 4,374; by total assets it ranks #1,677 of 4,374 nationally (same basis as /rankings/largest); and #140 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does THINKWISE compare to other credit unions?
Five weighted metrics from NCUA filings produce THINKWISE's 68/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like THINKWISE are 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."
What rates does THINKWISE offer compared to banks?
Credit unions like THINKWISE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact THINKWISE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.