Side-by-side · Q2 2026 data
LA Loma 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 | LA Loma Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 47 | 77 (stronger) |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 44 | 95 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 51st | 94th |
| Total assets | $116.6M | $117.9M |
| Deposits / shares | $110.5M | $102.4M |
| Capital ratio | 9.73% | 12.65% (stronger) |
| Problem loans | 0.22% (stronger) | 0.32% |
| Net charge-offs | 0.19% (stronger) | 0.44% |
| Return on assets | 0.60% | 1.88% (stronger) |
| Loans ÷ deposits | 66.9% | 53.2% (stronger) |
| Uninsured deposits | 7.0% | 1.7% (stronger) |
| 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 70). On the 7 directional measures above (where higher or lower is clearly better), LA Loma Federal Credit Union leads on 2 and Smw 104 Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.