Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs Santa Ana Federal Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | Smw 104 Federal Credit Union | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 77 | 85 (stronger) |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 95 (stronger) | 81 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 94th | 95th |
| Total assets | $117.9M | $111.6M |
| Deposits / shares | $102.4M | $95.7M |
| Capital ratio | 12.65% | 13.47% (stronger) |
| Problem loans | 0.32% | 0.06% (stronger) |
| Net charge-offs | 0.44% | -0.01% (stronger) |
| Return on assets | 1.88% (stronger) | 1.52% |
| Loans ÷ deposits | 53.2% (stronger) | 70.6% |
| Uninsured deposits | 1.7% (stronger) | 4.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Smw 104 Federal Credit Union leads on 3 and Santa Ana Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.