Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs First California Federal Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Credit union
First California Federal Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | Smw 104 Federal Credit Union | First California Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 77 (stronger) | 56 |
| Loan quality | 89 (stronger) | 67 |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 94th | 74th |
| Total assets | $117.9M | $109.7M |
| Deposits / shares | $102.4M | $97.8M |
| Capital ratio | 12.65% (stronger) | 10.58% |
| Problem loans | 0.32% (stronger) | 0.98% |
| Net charge-offs | 0.44% (stronger) | 0.69% |
| Return on assets | 1.88% | 2.00% (stronger) |
| Loans ÷ deposits | 53.2% (stronger) | 54.0% |
| Uninsured deposits | 1.7% (stronger) | 6.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.5% |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Smw 104 Federal Credit Union leads on 6 and First California Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.