Credit union · NCUA insured
Thinkwise Credit Union
Top CarrotA $121.2M credit union headquartered in San Bernardino, CA, with 6,196 members and 2 branches in California. Best rates: CDs 3.50% and savings 0.20% APY.
Thinkwise Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#2 of 50 in Riverside, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Thinkwise Credit Union
Founded in 1952 as San Bernardino School Employees Federal Credit Union, Thinkwise emerged from cash tended by San Bernardino School District employees.
Headquartered in San Bernardino, California, the credit union serves individuals and organizations in the educational community of Orange, Riverside, and San Bernardino counties.
- Headquarters
- 599 N E St, San Bernardino, CA 92401
- NCUA charter
- 7770
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses qualify automatically for membership if the legal or majority owner is an existing TWCU member, the business operates in a permissible industry category, and is headquartered or primarily conducts business in Orange, Riverside, or San Bernardino Counties.
- Businesses qualify under Field-of-Membership qualification if they are located or primarily operate within the three-county service area and demonstrably support the educational sector.
Military, government and schools
- Active educational employees whose primary worksite is an educational institution within Orange, Riverside, and San Bernardino Counties are eligible for individual membership.
- Retirees, pensioners, and annuitants who have retired from any eligible educational occupation within the three-county area are eligible for membership.
- Volunteers directly supporting educational institutions in the service area, including PTA/PTO officers, booster-club leaders, and board members, are eligible for membership.
Family and household
- Immediate family members (spouses/domestic partners, parents, children, siblings, grandparents, grandchildren) and household members of current or eligible members are eligible for membership.
Branches
2 branches in California
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California
2 branches
- E Street Branch (HQ)Main office599 N E St, San Bernardino, CA 92401Directions
- Rialto Branch1270 Renaissance Pkwy, Rialto, CA 92376Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $51 | $76 | — |
- CapitalNet worth ratio8.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$51Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Thinkwise Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.