SMW FINANCIAL
State-Chartered • LINO LAKES, Minnesota • Est. 1954
Quick Facts
- Charter Number
- #68676
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- LINO LAKES, Minnesota 55014
- Address
- 700 APOLLO DRIVE
- Branches
- 2
- ATMs
- 1
- Members
- 4,609
- 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
4,609 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMW FINANCIAL |
|---|---|
| Total Assets | $90.8M |
| Members | 4,609 |
| Loans Outstanding | $52.2M |
| Shares & Deposits | $81.0M |
| Net Worth | $9.9M |
| Net Worth Ratio | 10.88% |
| Loan-to-Share Ratio | 64.5% |
| Delinquency Rate | 0.21% |
| Net Income | +$427,660 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Lino Lakes
Main Office700 Apollo Dr
Lino Lakes, MN 55014-3035
Maplewood
1691 Cope Ave E
Maplewood, MN 55109-2632
Who Can Join SMW FINANCIAL?
Membership Type: Community
Membership eligibility for SMW FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SMW FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. SMW FINANCIAL 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 FINANCIAL has 4,609 members and a potential membership field of 15,000 people.
SMW FINANCIAL's net worth ratio is 10.88% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.9%, SMW FINANCIAL meets this threshold.
SMW FINANCIAL operates 2 branch locations and has access to 1 ATMs. The main office is located at 700 Apollo Dr, Lino Lakes, MN 55014-3035.
SMW FINANCIAL was established in 1954. It is a state-chartered credit union chartered under charter number 68676. The institution has been serving members for 72 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 FINANCIAL. All financial data is for informational purposes only.