Side-by-side · Q2 2026 data
Smw 104 Federal Credit Union vs United Local 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 Local Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 95 (stronger) | 18 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 94th | 76th |
| Total assets | $117.9M | $119.3M |
| Deposits / shares | $102.4M | $94.6M |
| Capital ratio | 12.65% | 20.14% (stronger) |
| Problem loans | 0.32% | 0.20% (stronger) |
| Net charge-offs | 0.44% (stronger) | 0.58% |
| Return on assets | 1.88% (stronger) | -0.05% |
| Loans ÷ deposits | 53.2% (stronger) | 80.7% |
| Uninsured deposits | 1.7% (stronger) | 9.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Smw 104 Federal Credit Union has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Smw 104 Federal Credit Union leads on 5 and United Local Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.