Side-by-side · Q2 2026 data
Antioch Community Federal Credit Union vs Smw 104 Federal Credit Union
Credit union
Antioch Community Federal Credit Union
Antioch, California · Under $100 million in assets
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Antioch Community Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 49 | 89 (stronger) |
| Earnings | 62 | 95 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 62nd | 94th |
| Total assets | $33.8M | $117.9M |
| Deposits / shares | $28.5M | $102.4M |
| Capital ratio | 15.23% (stronger) | 12.65% |
| Problem loans | 1.53% | 0.32% (stronger) |
| Net charge-offs | 1.24% | 0.44% (stronger) |
| Return on assets | 1.04% | 1.88% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 53.2% |
| Uninsured deposits | 0.2% (stronger) | 1.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Antioch Community Federal Credit Union leads on 3 and Smw 104 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.