THINKWISE
Charter #7770 · San Bernardino, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.71% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -1.24% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.10% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.46% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.71% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | THINKWISE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $121.23M | 14th pct | 52th pct |
| Members | 6,196 | 7th pct | 30th pct |
| Net worth ratio | 8.71% | 10th pct | 11th pct |
| Return on average assets | -1.24% | 1th pct | 0th pct |
| Net interest margin | 3.48% | 39th pct | 41th pct |
| Cost of funds | 0.88% | 32th pct | 56th pct |
| Loan-to-share | 48.48% | 11th pct | 34th pct |
| Delinquency 60+ days | 1.10% | 80th pct | 84th pct |
| Net charge-off ratio | 2.46% | 99th pct | 97th pct |
| Loan growth YoY | -4.15% | 9th pct | 23th pct |
| Share growth YoY | 2.18% | 30th pct | 36th pct |
| Efficiency ratio | 96.71% | 96th pct | 89th pct |
structural peer set hash: 214fb2fe2bd02fa2826e6ee8f4194378… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.