Thinkwise

San Bernardino, CA · 1 · Charter #7770 · www.thinkwisecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$119.8M
57th percentile
Members
6,177
36th percentile
Total loans
$53.9M
44th percentile
Total shares
$106.3M
60th percentile

Profitability

Return on assets
0.76%
32th percentile
Net interest margin
3.62%
47th percentile
Efficiency ratio
72.30%
20th percentile
Non-interest income ratio
22.32%
74th percentile

Capital & Risk

Net worth ratio
9.13%
13th percentile
Delinquency rate
1.53%
16th percentile
Net charge-off rate
1.15%
9th percentile
Loan-to-share
50.71%
21th percentile

Growth

Member growth YoY
2.27%
81th percentile
Asset growth YoY
3.69%
48th percentile
Loan growth YoY
-9.60%
6th percentile
Share growth YoY
2.15%
39th percentile

Operations

Members / branch
3,089
49th percentile
Assets / member
$19,396
82th percentile
Field of membership penetration
24.71%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Thinkwise?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo