SMW 104 Credit Union Profile

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SMW 104

Charter #14934 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (510) 483-1300

Fax: (925) 230-5115

Founding Date: N/A

Website: http://www.smw104fcu.org

Personnel & Operations

President: Van Buskirk, Kevin

Manager: Javad, Sherry

FT Employees: 7

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 03

Branches: 1

Hours: Monday to Friday, 9am to 5pm.

Credit Union Profile Summary

SMW 104 is a FCU Credit Union. With a total of 9,908 members [1], this institution manages approximately $110,659,529 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.53% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.66% [1].

Financial Snapshot

Total Assets [1]
$110,659,529

Total economic resources.

Total Loans [1]
$50,468,872

Total value of outstanding loans.

Total Deposits [1]
$96,868,423

Total funds deposited by members.

Members [1]
9,908

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.53%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.34%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
52.10%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.85%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-1.66%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
3.17%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3156 Constitution Dr

Livermore, CA, 94551-7570

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by SMW 104 (Charter #14934).

Main Office

SMW 104 FCU Main Office

Type: Corporate Office

3156 Constitution Dr

Livermore, CA 94551-7570

Phone: (510) 483-1300

Services: Member Services

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