Sep, 30, 2025 — THINKWISE FEDERAL CREDIT UNION is a federal credit union headquartered in SAN BERNARDINO, CA with 2 branch locations and about $119.24 million in total assets. Opened 74 years ago in 1952, THINKWISE FEDERAL CREDIT UNION has about 6,147 members and employs 27 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | THINKWISE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 599 N E St SAN BERNARDINO, CA 92401 |
| Phone: | (909) 882-2911 |
| Fax: | (909) 882-6471 |
| Website: | https://www.thinkwisecu.org |
| Branches: | 2 branch locations |
| Members: | 6,147 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 7770 |
|---|---|
| Membership Type: | Educational |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $119,243,133 |
| CEO/Manager: | Heri Garcia |
| Chairperson: | Bradley J McDuffee |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 34,413,195 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 15,799,141 |
| Unsecured Loans | 8,160,652 |
| Other Loans | 30,593,942 |
| TOTAL LOANS | 54,553,734 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -668,949 |
| Land And Building | 7,055,995 |
| Other Fixed Assets | 327,686 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 878,452 |
| All Other Assets | 157,625 |
| TOTAL ASSETS | 119,243,133 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,676,668 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 23,969,661 |
| Regular shares | 42,421,466 |
| All Other Shares & Deposits | 39,151,290 |
| TOTAL SHARES & DEPOSITS | 105,542,416 |
| TOTAL LIABILITIES | 108,219,084 |
| Regular Reserve | 0 |
| Other Reserves | 819,751 |
| Undivided Earnings | 10,204,298 |
| TOTAL EQUITY | 11,024,049 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 119,243,133 |
| INCOME & EXPENSE | |
| Loan Income | 2,826,592 |
| Investment Income | 1,178,688 |
| Other Income | 605,118 |
| Total Employee Compensation & Benefits | 1,827,238 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,857,048 |
| Non-operating Income & (Expense) | -7,864 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 328,632 |
| Cost of Funds | 735,278 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 394,567 |
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