TellerScore

Headquartered in Lino Lakes, Minnesota, Smw Financial Credit Union is a federally insured state-chartered credit union with $87.5M in total assets and $77.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Smw Financial Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 30th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (38/100, 0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.51%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity85/100
Loans ÷ shares: 74.9% · 5.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.07%

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 2 points (73 → 75), mostly because the funding & liquidity component weakened by 6 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202471
Q1 202573
Q2 202573
Q3 202573
Q4 202573
Q1 202674
Q2 202675
Net worth ratio
7.00%9.26%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.40%
Q3 202410.30%
Q4 202410.45%
Q1 202510.69%
Q2 202511.00%
Q3 202510.89%
Q4 202510.88%
Q1 202610.87%
Q2 202611.51%
Delinquent loans (60+ days)
0.00%0.11%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.09%
Q4 20240.06%
Q1 20250.00%
Q2 20250.15%
Q3 20250.19%
Q4 20250.21%
Q1 20260.12%
Q2 20260.01%
Return on assets
0.16%0.37%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.22%
Q4 20240.23%
Q1 20250.40%
Q2 20250.46%
Q3 20250.49%
Q4 20250.47%
Q1 20260.58%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$87.5M11.51%0.01%0.44%74.9%
Q1 202674$92.1M10.87%0.12%0.58%65.8%
Q4 202573$90.8M10.88%0.21%0.47%64.5%
Q3 202573$89.9M10.89%0.19%0.49%66.8%
Q2 202573$87.8M11.00%0.15%0.46%69.3%
Q1 202573$89.3M10.69%0.00%0.40%66.9%
Q4 202471$90.5M10.45%0.06%0.23%66.5%
Q3 202470$91.3M10.30%0.09%0.22%65.3%
Q2 202470$89.6M10.40%0.12%0.16%66.7%

2,479 peers · Under $100 million in assets

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 ratio11.51%
27th
Problem loans0.01%
86th
Net charge-offs0.22%
45th
Return on assets0.44%
39th
Loans to deposits74.9%
26th
Uninsured deposits5.1%
20th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Ely Area Credit UnionCredit union Ely, MN99 out of 100, Very strong$74.3M17.0%0.14%vs
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
Embarrass Vermillion Federal Credit UnionCredit union Aurora, MN80 out of 100, Strong$66.7M14.2%0.95%vs
United Employees Credit UnionCredit union Albert Lea, MN87 out of 100, Very strong$66.4M14.2%0.80%vs
Share Advantage Credit UnionCredit union Duluth, MN58 out of 100, Moderate$57.5M13.4%2.77%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs

Deposit insurance

Is my money safe at Smw Financial Credit Union?

Yes. Smw Financial Credit Union is a federally insured credit union (NCUA charter #68676). 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 5.1% of shares and deposits ($4.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Smw Financial Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Smw Financial Credit Union reported 21 home-loan applications under HMDA (LEI 549300B6S67QUY869538): 20 originated ($1,530,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Platinum12.99% – 18.00%$0$303.0%

All Smw Financial Credit Union card terms

Identity & history

Profile

Legal name
Smw Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68676
RSSD ID
112994
Primary regulator
State + NCUA
Established
1954
Headquarters
700 Apollo Drive, Lino Lakes, MN 55014
Employees
13

Quick answers

Smw Financial Credit Union: common questions

Is Smw Financial Credit Union NCUA insured?

Yes. Smw Financial Credit Union is a federally insured credit union (NCUA charter #68676). 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 Financial Credit Union's TellerScore?

75 out of 100 (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 Financial Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lino Lakes

InstitutionScoreAssetsCapitalProblem loansCompare
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs
Security State Bank of MarineBank Marine On St. Croix, MN82 out of 100, Strong$232.5M10.9%0.13%vs
Members Choice Wv Federal Credit UnionCredit union Charleston, WV81 out of 100, Strong$93.6M21.6%1.03%vs