Side-by-side · Q2 2026 data
Diablo Valley Federal Credit Union vs Smw 104 Federal Credit Union
Credit union
Diablo Valley Federal Credit Union
Concord, California · Under $100 million in assets
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Diablo Valley Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 59 | 77 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 23 | 95 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 44th | 94th |
| Total assets | $40.1M | $117.9M |
| Deposits / shares | $35.6M | $102.4M |
| Capital ratio | 10.89% | 12.65% (stronger) |
| Problem loans | 0.05% (stronger) | 0.32% |
| Net charge-offs | 0.04% (stronger) | 0.44% |
| Return on assets | 0.06% | 1.88% (stronger) |
| Loans ÷ deposits | 55.3% | 53.2% (stronger) |
| Uninsured deposits | 0.9% (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 72). On the 7 directional measures above (where higher or lower is clearly better), Diablo Valley 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.