Livermore, California · Peer group 5
SMW 104 Credit Union
SMW 104 Credit Union holds $116.8M in assets across 10,986 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1962. Charter number 14934, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $116.8M |
|---|---|
| Total loans | $53.1M |
| Total shares (deposits) | $101.6M |
| Net worth | $14.6M |
| Members | 10,986 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.8% | |
|---|---|---|
| Loans | 14.1% | higher than 94% of its peer group |
| Deposits | 7.3% | around the 82nd percentile of its peer group |
| Members | 12.5% | higher than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 52.3% | around the 14th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.5% | around the 63rd percentile of its peer group |
| Return on assets | 2.59% | higher than 99% of its peer group |
| Delinquency ratio | 0.51% | around the 42nd percentile of its peer group |
| Cash / assets | 10.7% | around the 54th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is SMW 104 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Sea Air Credit Union
Seal Beach, CA
$118.2M · 6,277 members
- La Loma Credit Union
Loma Linda, CA
$114.3M · 6,971 members
- Santa Ana Credit Union
Santa Ana, CA
$112.5M · 5,368 members
- United Local Credit Union
Fresno, CA
$121.1M · 7,613 members
- Thinkwise Credit Union
San Bernardino, CA
$121.2M · 6,196 members
- Rancho Credit Union
DOWNEY, CA
$110.3M · 6,989 members
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