Side-by-side · Q2 2026 data
Sea Air 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 | Sea Air Federal Credit Union | Smw 104 Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 38 | 89 (stronger) |
| Earnings | 0 | 95 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 31st | 94th |
| Total assets | $118.8M | $117.9M |
| Deposits / shares | $90.8M | $102.4M |
| Capital ratio | 23.39% (stronger) | 12.65% |
| Problem loans | 1.87% | 0.32% (stronger) |
| Net charge-offs | 0.48% | 0.44% (stronger) |
| Return on assets | -0.69% | 1.88% (stronger) |
| Loans ÷ deposits | 49.6% (stronger) | 53.2% |
| Uninsured deposits | 5.0% | 1.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sea Air 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.