SMW 104

SMW 104 is a federal credit union headquartered in Livermore, California, serving 10,130 members with $115.8M in total assets and $49.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 11.93% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #14934 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.54% measures loans 60+ days past due against total loans outstanding — the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 49.43% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at SMW 104 is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 4.35%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Multiple Common Bond), and current deposit and loan rates should be verified directly with SMW 104 before opening any account or borrowing.