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
- CAMELS 85/100
- HEALTH 10.9%
- NW 0.21%
- DELQ 0.23%
- ROA $90.8M
- ASSETS 4,609
- MEM #1,995/4,374
- RANK Triboro Postal
- PHOTO 68676
Call Report peers
Smw Financial in the assets neighbourhood
Smw Financial's $90.8M assets sit next to Triboro Postal ($90.7M) 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 Financial 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
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
Smw Financial - Share Insurance Coverage
Charter #68676's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Smw Financial
Smw Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $90.8M (2025Q4) to $92.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (10.88% → 10.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Smw Financial's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($90.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Smw Financial carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,995 of 4,374; by total assets it ranks #1,913 of 4,374 nationally (same basis as /rankings/largest); and #45 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.87% net worth ratio and a 0.21% delinquency rate.
How does Smw Financial compare to other credit unions?
Smw Financial scores 85/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Smw Financial 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 Financial's net worth ratio of 10.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Smw Financial offer compared to banks?
Credit unions like Smw Financial 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 Financial 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.