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Thinkwise Credit Union

Overview
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Thinkwise Credit Union is a federal credit union based in San Bernardino, California. It has been opened since 1952, for 68 years.

With around $81,940,000 in assets, Thinkwise Credit Union is considered to be a large credit union. It has 1 branches and 1 ATM locations.

About
Address Po Box 2007
San Bernardino, California 92406
Website http://www.thinkwisecu.org
Phone (909) 882-2911
Fax (909) 882-6471
CEO Heri Garcia
President of the Board Jess Cisneros
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
5,577 members
Membership type: Educational
Average number of members
328:1
Credit union member to staff ratio
328 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$81,941,681
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
12.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 5 in California
Above average number of branches
Thinkwise Credit Union Branch Locations

Thinkwise Credit Union: Credit Union
2441 North Sierra Way
San Bernardino, California 92405
No ATM
Members
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5,577 members
Membership type: Educational
Average number of members

With 5,577 members, the Thinkwise Credit Union is considered to be a medium size credit union. It is larger than 59% of credit unions.

Fees
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$146
Average fee per member
The average fee per member at the Thinkwise Credit Union is $146, which is very high compared to most credit unions. This rate is higher than 96% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Thinkwise Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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328:1
Credit union member to staff ratio
328 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
17 staff members
FTE (full-time equivalent)
11% of employees are part-time
16 full-time, 2 part-time

Thinkwise Credit Union has 16 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Thinkwise Credit Union has around 328 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$81,941,681
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$9,962
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 49% of credit unions.

Thinkwise Credit Union holds a total of $46,270,000 in loans and leases, which is about $9,962 per member on average.

Savings interest rate
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Thinkwise Credit Union pays 0.15%.

Loan rates
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12.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.25%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
9.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.49%
New car loan rate
Compared to 4.0% nationally
5.49%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.52%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.54%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally