Smw 104
Smw 104 is a credit union based in Livermore, California, established in 1962, with $117 million in total assets serving 10,986 members. By Trust Grade it ranks 9th of 241 credit unions we track in California. Its net worth ratio of 12.5% is stronger than 66% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 2.59% return on assets. No consumer complaints against Smw 104 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Smw 104 compares to California peers
How we graded Smw 104
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Strongly profitable (ROA 2.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Smw 104 over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Smw 104 insured?
Yes. Smw 104 is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Smw 104: frequently asked questions
Is Smw 104 a good credit union?
Smw 104 earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 2.59%).
Is Smw 104 NCUA-insured?
Yes. Smw 104 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Smw 104?
Smw 104 holds $117 million in total assets, ranking 9th of 241 credit unions we track in California. It serves 10,986 members.
Does Smw 104 have CFPB complaints?
No CFPB complaints against Smw 104 appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
