State credit union · LINO LAKES, Minnesota · NCUA charter #68676
Smw Financial
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $90.8M
- Total assets
- 4,609
- Members
- 10.9%
- Net-worth ratio
Smw Financial scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.8M; members 4,609; net-worth ratio 10.87%; health rank #1,995 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,995 of 4,374 health · 2025Q4Smw Financial · health 85/100 · $90.8M · 2025Q4
Call Report peers
Smw Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Smw Financial vs every NCUA-scored credit union
Smw Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where Smw Financial diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 64.50% vs peer 62.60% (+1.90 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.75 pp (10.87% vs 13.62%).
Where Smw Financial sits in Minnesota
- Health composite ranks #51 of 82 among scored Minnesota credit unions.
- By total assets, Smw Financial is #45 of 82 in Minnesota.
- Membership ranks #46 of 82 among Minnesota CUs with a reported count (4,609 members).
- One place up in Minnesota, HEARTLAND (#50) scores 86/100, 1 point higher; one place down, Crow Wing Power (#52) scores 84/100, 1 point lower.
Quarter path for Smw Financial
Smw Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $90.8M (2025Q4) to $92.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (10.88% → 10.87%).
10.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Smw Financial gives up 15 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 13.4 pts
Smw Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.87% | -2.75 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | 0.23% | -0.43 pp |
| Member Growth | -1.83% | - |
| Loan-to-Share Ratio | 64.50% | +1.90 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.1M | - |
| 2025Q4 | $90.8M | 4,609 |
| 2024Q4 | $90.5M | 4,695 |
| 2023Q4 | $88.2M | 5,423 |
Credit Union Details
- Charter Number
- 68676
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Minnesota
- City
- LINO LAKES
- Data Quarter
- 2025Q4
Branch Locations (2)
Smw Financial operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lino Lakes (Main Office) | Lino Lakes, MN |
| Maplewood | Maplewood, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Smw Financial nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Smw Financial ranks #1,995 of 4,374 nationally on financial health and #51 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ely Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ely Area
Frequently Asked Questions
Is Smw Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Smw Financial scores 85/100 (Excellent), with a 10.87% net worth ratio and 0.21% of loans delinquent. It ranks #1,995 of 4,374 nationally on health and #51 of 82 in Minnesota.
How does Smw Financial compare to other credit unions?
Smw Financial scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (64.50% vs 62.60%). Its widest shortfall is net worth ratio (10.87% vs 13.62%).
How can I join Smw Financial?
Membership eligibility for Smw Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Smw Financial directly for current membership requirements and application steps.
Is my money safe at Smw Financial?
Smw Financial is a state-chartered credit union; its shares are federally 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 Financial's net worth ratio of 10.87% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.