Smw 104

Livermore, CA · 1 · Charter #14934 · www.smw104fcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$115.8M
55th percentile
Members
10,130
70th percentile
Total loans
$49.9M
40th percentile
Total shares
$101.0M
56th percentile

Profitability

Return on assets
1.69%
84th percentile
Net interest margin
3.52%
43th percentile
Efficiency ratio
52.91%
78th percentile
Non-interest income ratio
20.76%
67th percentile

Capital & Risk

Net worth ratio
11.93%
46th percentile
Delinquency rate
0.54%
63th percentile
Net charge-off rate
0.42%
41th percentile
Loan-to-share
49.43%
19th percentile

Growth

Member growth YoY
4.35%
91th percentile
Asset growth YoY
6.37%
72th percentile
Loan growth YoY
4.12%
66th percentile
Share growth YoY
4.43%
60th percentile

Operations

Members / branch
10,130
98th percentile
Assets / member
$11,429
24th percentile
Field of membership penetration
81.04%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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