# THINKWISE
San Bernardino, CA · NCUA charter 7770 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/thinkwise-7770

Who the members are: federal charter, educational (single sponsor), organized 1952, low-income designated, minority depository institution. 6,196 members of 25,000 potential (24.8% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 113.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $121.2M |
| Members | 6,196 (3.1% YoY) |
| Full-time staff | 26 |
| Net worth | $10.6M |
| Net worth ratio | 8.7% (p11 of band) |
| ROA (annualized) | -1.24% (p1 of band) |
| Total delinquency | 1.10% (p77 of band) |
| Net charge-offs (annualized) | 2.50% (p99 of band) |
| Loans / shares | 48% (p15 of band) |
| Cash / assets | 34.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p37 of band) |
| Operating expense / assets | 4.47% (p78 of band) |
| Vehicles % of loans | 52% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 176% (p83 of band) |
| Vehicle delinquency | 1.18% (p78 of band) |
| Vehicle NCO | 3.37% (p96 of band) |
| Repossessed % of vehicle book | 0.06% (p74 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 19% |
| Average share balance | $7,468 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 113% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $7,491 |
| Loans granted, annualized | $13.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (32.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | repo signal |  |
| 2016-09 | 1 |  | repo signal |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | repo signal |  |
| 2017-06 | 2 | delinquency rising | net worth falling, repo signal |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 2 | repo signal |  |
| 2018-12 | 1 |  | repo signal |
| 2019-03 | 2 | repo signal |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 4 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2019-12 | 5 | members leaving |  |
| 2020-03 | 5 | margin squeeze | repo signal |
| 2020-06 | 6 | net worth falling, delinquency rising | charge-offs p90 |
| 2020-09 | 3 |  | losing money, members leaving, delinquency rising |
| 2020-12 | 5 | losing money, 3rd-party paper>100% NW |  |
| 2021-03 | 4 |  | 3rd-party paper>100% NW |
| 2021-06 | 3 | charge-offs p90 | margin squeeze, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | loan book shrinking | losing money |
| 2022-03 | 4 | losing money, 3rd-party paper>100% NW | loan book shrinking |
| 2022-06 | 3 |  | charge-offs p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | delinquency rising, charge-offs p90 |  |
| 2023-06 | 4 | net worth falling | delinquency 2x band, delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | delinquency 2x band | losing money |
| 2024-06 | 5 | losing money, delinquency rising | net worth falling |
| 2024-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | net worth falling, loan book shrinking | charge-offs p90, losing money |
| 2025-06 | 3 | charge-offs p90 | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2026-03 | 6 | thin capital, net worth falling, losing money | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-09-26 [Credit union managers raise funds for kids during ‘Dancing’ event in Fontana - Fontana Herald News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPOGx1WElvOEtUazJmWndvd2p0VnlVZnRoRnZNYkRBVkswa3o4RE4tYmoycHNkS3F1eUpRak1XZU5oVW9oajVrVkVNeVJ5Rjl3djgydGxWTVZqaThSUURNZGEtVk9jUEhrMmNaa1VleXhSZF9hazFmcENSbHI5dkZWTl9aaWdkTHU0YkFGMWlDZkhtb3BOSkhOVER5dlBENENGR3BzTjVEYkdCbjRZemFLTlUzYUVjZllvRkcxdEpOd28wOXA4OFVySURLZDBKYXhFNnpib3pZZ1RfUi1LV3VfSEp0Sjd1WVNaT3R1V2NHWGN3NVcwR1E?oc=5) · Fontana Herald News
- 2025-04-08 [Novo Federal Credit Union selects George San Martin as President & CEO - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxPcV9OVGIxR0JKaF9JSTVQRE0xM3hJdURfb1pXUFQ1Yi1qRXJCSU9WVDM5bDhXT2FPaDg3cjFGNVNxVF9Cdk9BeGsxVUE3QlY3NnE1VlRmRnZWbTByMTZlTXJBZjVFazVRV01qVXo1MXpGVVJJYmJPM3FCX3BzVHNscTFBZGY1d0tGNmxjVnFDWHZzYjJOdEV5M3JvRmV0elRJUWVXbjlFOWZoU1JRUXc?oc=5) · CUInsight
- 2018-12-20 [Thinkwise Credit Union collects clothing and funds to help San Bernardino students - San Bernardino Sun](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQzNEZnVYbUNvbWNmRllzOU54WmlZbi1ENlFGb3FoRndPNFgwdzlKdE0xWUFfZnJyMFRfQlVoRk0wYjRzZHdZTUszVkNjbUwwXzZ6SG1CSmw0WmNweVppaVNaQkZkSlU5X014YjZMZW0tRzg3d1BQalV5aXlOUUFJbEdCLUppXzRLS1N2T1ptTE00dFVFeUszOEhCeWtmMmtSQXJNTFRxb1E?oc=5) · San Bernardino Sun
- 2026-02-17 [Ohio's Day Air Credit Union partners InvestiFi for investment tech - FinTech Futures](https://news.google.com/rss/articles/CBMilwFBVV95cUxQd0tLUXplQTdMbElzZFFjWjBmU1NRNlIzZHh6ZVl1R29QZG85RkZENVN2YUJGT3VjZ0J6Z1FBQjBoa0RwMTE5bnRJT3V4NGVEemRJdzhHM253RnhlRXVhV3hjTnNIUEZmWXNTOE1iRWFXaG5SejRIUm9RQUozM1hRRDNoNnFPZ1ZpNU4wLVR0LTR4cUlPOE9R?oc=5) · FinTech Futures
- 2019-08-22 [Richard Myles Johnson Foundation Golf Classic nets $75,000 - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxPTjFMMWF0ZEoxS19fd19MSjhkNEpYTW9aUExxTS1JTEgzSzBHQjdfdU9SMExMWlFXRTdkUDJmcnJNeXRLWnV0VWtKRTkxNGdySXJHSm9YNFRJcmt5aGNBdlhaZ1FNeGlHSHg1NFpHQUhpWHdyRU9HS0lPR3BISTI5OGVCbkNyVERRSGFGLWRPU0NpTGFmVV9nZnFMaTVPUQ?oc=5) · CUInsight
- 2019-05-07 [Hayden Eaves Joins Avison Young in DTLA from Colliers - Connect CRE](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZ09YWFJsempxUFpqUDVQcHRISGhScW1NTWQ2cG9Td0dweXM0Vi00cUR5SENPUWFKN3pWbzNyLUVMRFNIUHh5U29EM0IzWWxHOVFyNHZuZDdIRnNkZDI5STk3bUJFQmJOLTNRcVFKS2xPNnJSRTlLbzZfUUVybkw4b2ZDQ1NEY0F1WU1EUld4dFJzNEE?oc=5) · Connect CRE
- 2021-03-08 [Briefly: Farmer’s Corner retail center in San Jacinto lists for $4.35 million - pressenterprise.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMVBEeU1FaDU3MF83Sk1ISjN4aWgxWE1GRFRpVkVpV2twdWNuNXpnamxLNHZLQk1XcHhwVzlxTlN3RzdUV2llYXd3dUJkd3JUT21iN1Y5SnBUY2JEVkpQMlZUdkZPc0lOS21fa2hzRWUyUm9iRUhyb3J6cjVnWEdzVWs4bzItc2dsc3c0U21keDAxUHJiZ2tKR0wwVjIwMGRJdnhWVVpEendWeGZsX2dnQkdrQ1ZnUUVWWlE?oc=5) · pressenterprise.com
- 2017-08-23 [Arrowhead Credit Union among the winners of Richard Myles Johnson Foundation Golf Tournament; event raises $60,000 - Fontana Herald News](https://news.google.com/rss/articles/CBMipAJBVV95cUxQOFBORmE4Z0dxUzdGcHpIZHZvcENKbUNxWXlTY2ltaXcyOUYtZXktdlJYMG8zSjVvRTdvcDFpMUV3a29IVGVkdHlrZHhMZjU0UEJKVXJVWWNMU0tVSXJneEJ0eGp0NGY5OXFlT3Z4Y1BGVkpBdjZLeUFVOU9mbGdaWkNZT3ozU1pvUVc5RVZJUVd5eGFJckpVWVVfOExwUHhLbWptUHV3QTBPYUxxbW1xd3FjWTRrT1ZidjQxdXdxUGJBOG9xdnI5VWpLYmozUnRfMm5BT1dPMzMwMFhmekVNcHBlT1h0UUdKYmYyR3JSNTNNYW5vWjVTbkIxajVLcnowVE1ZazBHZDJkaUhiUzBsbmdNbUZxcTNjd0hHZmwzM2F5WGh2?oc=5) · Fontana Herald News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7770 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "7770", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7770
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide