SMW FINANCIAL
State-Chartered • Lino Lakes, Minnesota • Est. 1954
Quick Facts
- Charter Number
- #68676
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Lino Lakes, Minnesota 55014-3035
- Address
- 700 Apollo Dr
- Branches
- 2
- ATMs
- 1
- Members
- 4,624
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,624 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMW FINANCIAL |
|---|---|
| Total Assets | $92.1M |
| Members | 4,624 |
| Loans Outstanding | $54.0M |
| Shares & Deposits | $82.2M |
| Net Worth | $10.0M |
| Net Worth Ratio | 10.87% |
| Loan-to-Share Ratio | 65.8% |
| Delinquency Rate | 0.12% |
| Net Income | +$132,425 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Minnesota
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Minnesota RankingsFrequently Asked Questions
SMW FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SMW FINANCIAL has 4,624 members and a potential membership field of 15,000 people.
SMW FINANCIAL's reported net worth ratio is 10.87% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SMW FINANCIAL. All financial data is for informational purposes only.