SMW 104
Federal • Livermore, California • Est. 1962
Quick Facts
- Charter Number
- #14934
- Type
- Federal
- Established
- 1962
- Headquarters
- Livermore, California 94551-7570
- Address
- 3156 Constitution Dr
- Branches
- 1
- Members
- 10,130
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,130 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMW 104 |
|---|---|
| Total Assets | $115.8M |
| Members | 10,130 |
| Loans Outstanding | $49.9M |
| Shares & Deposits | $101.0M |
| Net Worth | $13.8M |
| Net Worth Ratio | 11.93% |
| Loan-to-Share Ratio | 49.4% |
| Delinquency Rate | 0.54% |
| Net Income | +$1,952,604 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
SMW 104 FCU
Main Office3156 Constitution Dr
Livermore, CA 94551-7570
Who Can Join SMW 104?
Membership Type: Community
Membership eligibility for SMW 104 may vary. Contact the credit union directly to confirm qualification requirements.
Contact SMW 104 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. SMW 104 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SMW 104 has 10,130 members and a potential membership field of 12,500 people.
SMW 104's net worth ratio is 11.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, SMW 104 meets this threshold.
SMW 104 operates 1 branch location. The main office is located at 3156 Constitution Dr, Livermore, CA 94551-7570.
SMW 104 was established in 1962. It is a federal credit union chartered under charter number 14934. The institution has been serving members for 64 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SMW 104. All financial data is for informational purposes only.