Federal credit union · Livermore, California · NCUA charter #14934
Smw 104
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $115.8M
- Total assets
- 10,130
- Members
- 12.5%
- Net-worth ratio
Smw 104 scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $115.8M; members 10,130; net-worth ratio 12.47%; health rank #498 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#498 of 4,374 health · 2025Q4Smw 104 · health 94/100 · $115.8M · 2025Q4
- MEM 94/100
- RANK 12.5%
- PHOTO 0.54%
- BOOK 1.43%
- CHARTER $115.8M
- NCUSIF 10,130
- CAMELS #498/4,374
- HEALTH CIRCLE
- NW 14934
Call Report peers
Smw 104 in the assets neighbourhood
Smw 104's $115.8M assets sit next to CIRCLE ($115.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Smw 104 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.43% vs peer 0.62% (+0.80 pp).
- Largest lag: Loan-to-Share Ratio at 49.43% vs peer 72.20% (-22.77 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Smw 104 sits in California
- In California, health place is #37 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, Smw 104 is #142 of 243 in California.
- Membership ranks #123 of 243 among California CUs with a reported count (10,130 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Smw 104
Smw 104: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $115.8M (2025Q4) to $116.8M (2026Q1).
- Net-worth ratio shifted +0.54 pp (11.93% → 12.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.47% | +0.36 pp |
| Delinquency Rate | 0.54% | -0.36 pp |
| Return on Assets | 1.43% | +0.80 pp |
| Member Growth | 4.35% | - |
| Loan-to-Share Ratio | 49.43% | -22.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Smw 104 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $116.8M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Smw 104.
| Office | City |
|---|---|
| SMW 104 FCU (Main Office) | Livermore, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Smw 104 nationwide neighbourhoods
Smw 104's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($115.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Smw 104 ranks #498 of 4,374 nationally on financial health and #37 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Bay is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Bay
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #498 of 4,374; by total assets it ranks #1,709 of 4,374 nationally (same basis as /rankings/largest); and #142 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.47% 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 12.47% 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.
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.