Side-by-side · Q2 2026 data
Interfaith Federal Credit Union vs Smw 104 Federal Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Interfaith Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 69 | 77 (stronger) |
| Loan quality | 89 | 89 |
| Earnings | 47 | 95 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 71st | 94th |
| Total assets | $134.8M | $117.9M |
| Deposits / shares | $118.3M | $102.4M |
| Capital ratio | 11.87% | 12.65% (stronger) |
| Problem loans | 0.34% | 0.32% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.44% |
| Return on assets | 0.67% | 1.88% (stronger) |
| Loans ÷ deposits | 61.1% | 53.2% (stronger) |
| Uninsured deposits | 7.0% | 1.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Interfaith Federal Credit Union leads on 1 and Smw 104 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.