Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs United Association Credit Union
Credit union
Smw 104 Federal Credit Union
Livermore, California · $100 million – $1 billion
Metric by metric
| Measure | Smw 104 Federal Credit Union | United Association Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 80 |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 89 (stronger) | 85 |
| Earnings | 95 (stronger) | 21 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 94th | 65th |
| Total assets | $117.9M | $14.3M |
| Deposits / shares | $102.4M | $11.8M |
| Capital ratio | 12.65% | 17.30% (stronger) |
| Problem loans | 0.32% (stronger) | 0.45% |
| Net charge-offs | 0.44% | -0.02% (stronger) |
| Return on assets | 1.88% (stronger) | 0.02% |
| Loans ÷ deposits | 53.2% (stronger) | 62.3% |
| Uninsured deposits | 1.7% | 1.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Smw 104 Federal Credit Union leads on 4 and United Association Credit Union on 3. 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.