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National Credit Union Service Organization

THINKWISE FEDERAL CREDIT UNION

Sep, 30, 2021 — THINKWISE FEDERAL CREDIT UNION is a federal credit union headquartered in San Bernardino, CA with 2 branch locations and about $110.28 million in total assets. Opened 70 years ago in 1952, THINKWISE FEDERAL CREDIT UNION has about 5,602 members and employs 22 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 322282616
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:http://www.thinkwisecu.org
Branches:2 branch locations
Members:5,602
Credit Union Type:Federal Credit Union
Charter Number:7770
Membership Type:Educational
Corporate Credit Union:No
Year Opened:1952
Last Audited:Sep 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$110,278,986
CEO/Manager:Heri Garcia
Chairperson:Jess Cisneros

Call Report

  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 32,671,598
TOTAL INVESTMENTS 18,513,721
Loans Held for Sale 0
 
 Real Estate Loans 17,775,604
 Unsecured Loans 8,420,806
 Other Loans 19,227,195
 TOTAL LOANS 45,423,605
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -429,115
 Land And Building 7,557,760
 Other Fixed Assets 637,364
 NCUSIF Deposit 807,897
 All Other Assets 5,096,156
  TOTAL ASSETS 110,278,986
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 716,769
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 20,024,350
 Regular shares 40,763,083
 All Other Shares & Deposits 37,099,975
  TOTAL SHARES & DEPOSITS 97,887,408
  TOTAL LIABILITIES 98,604,177
 Regular Reserve 819,751
 Other Reserves 37,130
 Undivided Earnings 10,817,928
  TOTAL EQUITY 11,674,809
  TOTAL LIABILITIES, SHARES, & EQUITY 110,278,986
INCOME & EXPENSE  
 Loan Income 1,917,007
 Investment Income 251,005
 Other Income 496,028
 Total Employee Compensation & Benefits 1,130,705
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,639,627
 Non-operating Income & (Expense) -94
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -13,135
 Cost of Funds 359,682
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -42,473
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