Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs 1st United Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Smw 104 Federal Credit Union | 1st United Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 77 |
| Capital cushion | 77 (stronger) | 72 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 95 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 94th | 82nd |
| Total assets | $117.9M | $1.3B |
| Deposits / shares | $102.4M | $1.1B |
| Capital ratio | 12.65% (stronger) | 12.16% |
| Problem loans | 0.32% | 0.25% (stronger) |
| Net charge-offs | 0.44% | 0.27% (stronger) |
| Return on assets | 1.88% (stronger) | 0.75% |
| Loans ÷ deposits | 53.2% (stronger) | 73.6% |
| Uninsured deposits | 1.7% (stronger) | 10.7% |
| Offices | 1 | 8 |
| 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), Smw 104 Federal Credit Union leads on 5 and 1st United Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.