Thinkwise Federal Credit Union
Major Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3.
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 36.3 percent and a “hot money” ratio of 10.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), securities (7%), home mtgs (6%), comm loans (1%), other (56%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
599 North East Street
San Bernardino, CA 92401
San Bernardino, CA 92401
Phone Number
(909) 882-2911
NCUA Charter Number
Website
Largest Competitors
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San Bernardino, CA