TellerScore

Headquartered in Livermore, California, Smw 104 Federal Credit Union is a federal credit union with $117.9M in total assets and $102.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.

Smw 104 Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 14th. Funding & liquidity contributes the most (100/100, 53% loans-to-deposits, 2% uninsured); capital cushion contributes the least (77/100, 12.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.65%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity100/100
Loans ÷ shares: 53.2% · 1.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (77 → 89), mostly because the earnings component improved by 22 points.

TellerScore
778389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202478
Q1 202584
Q2 202577
Q3 202586
Q4 202582
Q1 202688
Q2 202689
Net worth ratio
7.00%9.82%12.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202410.96%
Q4 202411.04%
Q1 202511.54%
Q2 202511.53%
Q3 202511.85%
Q4 202511.93%
Q1 202612.47%
Q2 202612.65%
Delinquent loans (60+ days)
0.21%0.49%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.37%
Q4 20240.73%
Q1 20250.40%
Q2 20250.76%
Q3 20250.34%
Q4 20250.54%
Q1 20260.51%
Q2 20260.32%
Return on assets
1.33%1.96%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.96%
Q3 20241.73%
Q4 20241.52%
Q1 20251.76%
Q2 20251.33%
Q3 20251.72%
Q4 20251.54%
Q1 20262.59%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$117.9M12.65%0.32%1.88%53.2%
Q1 202688$116.8M12.47%0.51%2.59%52.3%
Q4 202582$115.8M11.93%0.54%1.54%49.4%
Q3 202586$113.9M11.85%0.34%1.72%49.1%
Q2 202577$110.7M11.53%0.76%1.33%52.1%
Q1 202584$108.3M11.54%0.40%1.76%49.2%
Q4 202478$108.8M11.04%0.73%1.52%49.6%
Q3 202483$107.3M10.96%0.37%1.73%52.1%
Q2 202485$104.5M10.93%0.21%1.96%55.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.65%
65th
Problem loans0.32%
81st
Net charge-offs0.44%
41st
Return on assets1.88%
96th
Loans to deposits53.2%
87th
Uninsured deposits1.7%
92nd
Loan-loss reserves0.00%
50th
Texas ratio1.2%
88th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sea Air Federal Credit UnionCredit union Seal Beach, CA64 out of 100, Moderate$118.8M23.4%1.87%vs
LA Loma Federal Credit UnionCredit union Loma Linda, CA70 out of 100, Strong$116.6M9.7%0.22%vs
United Local Credit UnionCredit union Fresno, CA79 out of 100, Strong$119.3M20.1%0.20%vs
Thinkwise Federal Credit UnionCredit union San Bernardino, CA47 out of 100, Below average$122.8M8.6%1.48%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
First California Federal Credit UnionCredit union Fresno, CA78 out of 100, Strong$109.7M10.6%0.98%vs

Deposit insurance

Is my money safe at Smw 104 Federal Credit Union?

Yes. Smw 104 Federal Credit Union is a federally insured credit union (NCUA charter #14934). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.7% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Smw 104 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Smw 104 Federal Credit Union
Type
Federal credit union
NCUA charter #
14934
RSSD ID
931289
Primary regulator
NCUA
Established
1962
Headquarters
3156 Constitution Dr, Livermore, CA 94551
Employees
8

Quick answers

Smw 104 Federal Credit Union: common questions

Is Smw 104 Federal Credit Union NCUA insured?

Yes. Smw 104 Federal Credit Union is a federally insured credit union (NCUA charter #14934). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Smw 104 Federal Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Smw 104 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Livermore

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Pacific Service Credit UnionCredit union Concord, CA82 out of 100, Strong$1.3B15.5%0.35%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs