Federal credit union · Livermore, California · NCUA charter #14934
Smw 104
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $115.8M
- Total assets
- 10,130
- Members
- 11.9%
- Net-worth ratio
Smw 104 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14934 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Smw 104 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)70
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.93% | 30% |
| Delinquency Rate | 0.54% | 25% |
| Return on Assets | 1.43% | 15% |
| Member Growth | 4.35% | 15% |
| Loan-to-Share Ratio | 49.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $115.8M | 10,130 |
| 2024Q4 | $108.8M | 9,708 |
| 2023Q4 | $105.1M | 9,476 |
Credit Union Details
- Charter Number
- 14934
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- Livermore
- Data Quarter
- 2025Q4
What This Data Says About Smw 104
Headquartered in Livermore, California, Smw 104 is a federal credit union with 10,130 members, $115.8M in total assets, and $49.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 94/100 (Excellent), driven in part by a net worth ratio of 11.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #14934 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.54% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 49.43% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.43% on net income of $1.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.35%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Smw 104 financially healthy?
Smw 104 has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.93% and delinquency rate of 0.54%.
How does Smw 104 compare to other credit unions?
Five weighted metrics from NCUA filings produce Smw 104's 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Smw 104?
Smw 104 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Smw 104 directly for the current list of qualifying groups.
Is my money safe at Smw 104?
Federal credit unions like Smw 104 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Smw 104's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Smw 104 offer compared to banks?
Credit unions like Smw 104 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Smw 104 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.