SMW FINANCIAL Credit Union Profile

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SMW FINANCIAL

Charter #68676 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (651) 747-1500

Fax: (651) 747-1559

Founding Date: N/A

Website: http://www.smwfcu.com

Personnel & Operations

President: Day, Michael

Manager: McNamara, Erin

FT Employees: 15

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: M-F 7:30AM-6PM, SAT 9AM-1PM

Credit Union Profile Summary

SMW FINANCIAL is a FISCU Credit Union. With a total of 4,663 members [1], this institution manages approximately $87,823,887 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.75% [1].

Financial Snapshot

Total Assets [1]
$87,823,887

Total economic resources.

Total Loans [1]
$54,365,340

Total value of outstanding loans.

Total Deposits [1]
$78,505,070

Total funds deposited by members.

Members [1]
4,663

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11%

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]
0.45%

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

Loan-to-Share Ratio [1]
69.25%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.97%

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

Loan Growth (4Q) [1]
↑ 0.75%

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

Member Growth (4Q) [1]
↓ -13.71%

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

Headquarters Location & Map

Headquarters Address

700 APOLLO DR

LINO LAKES, MN, 55014-3035
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by SMW FINANCIAL (Charter #68676).

Main Office

Lino Lakes Main Office

Type: Corporate Office

700 Apollo Dr

Lino Lakes, MN 55014-3035

Phone: (651) 747-1500

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Maplewood

Maplewood

Type: Branch Office

1691 Cope Ave E

Maplewood, MN 55109-2632

Phone: (651) 747-1500

Services: Member Services, Drive-Thru

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