THINKWISE Credit Union Profile

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THINKWISE

Charter #7770 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (909) 882-2911

Fax: (909) 882-6471

Founding Date: N/A

Website: http://www.thinkwisecu.org

Personnel & Operations

President: McDuffee, Bradley

Manager: Garcia, Heri

FT Employees: 26

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 04

Branches: 2

Hours: 8:30 AM to 5:30 PM Monday to Friday and Sat

Credit Union Profile Summary

THINKWISE is a FCU Credit Union. With a total of 6,077 members [1], this institution manages approximately $117,341,179 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.25% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -13.11% [1].

Financial Snapshot

Total Assets [1]
$117,341,179

Total economic resources.

Total Loans [1]
$55,544,818

Total value of outstanding loans.

Total Deposits [1]
$105,824,770

Total funds deposited by members.

Members [1]
6,077

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.25%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.28%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
52.49%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.32%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -13.11%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.62%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

599 N E St

San Bernardino, CA, 92401
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by THINKWISE (Charter #7770).

Main Office

E Street Branch (HQ) Main Office

Type: Corporate Office

599 N E St

San Bernardino, CA 92401

Phone: (909) 882-2911

Services: Member Services, ATM

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Additional Branches

Rialto

Rialto Branch

Type: Branch Office

1270 Renaissance Pkwy

Rialto, CA 92376

Phone: (909) 882-2911

Services: Member Services, ATM

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