SMW 104
Charter #14934 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
SMW 104 has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.8% in tier
- + Emerging Performer: Top 0.8% in tier
- + Organic Growth Leader: Top 10.0% in tier
- + ROA 0.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 20.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Total Loans: Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,019
+3.6% YoY+1.1% QoQ
|
-5.6K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$113.9M
+6.1% YoY+2.9% QoQ
|
$-117.4M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.6% in tier |
| Loans |
$48.9M
-1.4% YoY-3.1% QoQ
|
$-98.9M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.2% in tier |
| Deposits |
$99.5M
+4.5% YoY+2.7% QoQ
|
$-100.8M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
| ROA |
1.7%
-0.3% YoY+29.4% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.3% in tier |
| NIM |
3.6%
-8.5% YoY+0.4% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
49th in tier |
| Efficiency Ratio |
62.0%
+6.5% YoY-6.0% QoQ
|
-15.2% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.3%
-8.1% YoY-55.0% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 21.8% in tier |
| Loan To Share |
49.1%
-5.6% YoY-5.7% QoQ
|
-23.6% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.0% in tier |
| AMR |
$14,813
-1.1% YoY-0.4% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
29.0%
+7.7% YoY-0.8% QoQ
|
+4.6% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growth
#15 of 603 • Top 0.8% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.63%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.74%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
Emerging Performer
growth
#17 of 627 • Top 0.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.74%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
3.63%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#132 of 430 • Top 10.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.63%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Concerns (1)
Shrinking Wallet Share
decline
#205 of 244 • Bottom 20.5% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.15%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Members Per Employee (MPE)
engagement
Value:
1252.375
Peer Avg: 332.881
#1 of 1077
Top 0.0% in 100M-500M tier
68
Return on Assets (ROA)
profitability
Value:
1.74%
Peer Avg: 0.79%
#68 of 1077
Top 6.2% in 100M-500M tier
117
Efficiency Ratio
profitability
Value:
62.05%
Peer Avg: 77.28%
#117 of 1077
Top 10.8% in 100M-500M tier
160
Member Growth Rate
growth
Value:
3.63%
Peer Avg: 0.72%
#160 of 1077
Top 14.8% in 100M-500M tier
236
Total Delinquency Rate (60+ days)
risk
Value:
0.34%
Peer Avg: 0.86%
#236 of 1077
Top 21.8% in 100M-500M tier
Top Weaknesses (7 metrics)
1021
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,880
Peer Avg: $10,245
#1021 of 1077
Bottom 5.3% in 100M-500M tier
1021
Total Loans
balance_sheet
Value:
$48.89M
Peer Avg: $147.80M
#1021 of 1077
Bottom 5.3% in 100M-500M tier
980
Average Member Relationship (AMR)
engagement
Value:
$14,813
Peer Avg: $24,363
#980 of 1077
Bottom 9.1% in 100M-500M tier
974
Total Assets
balance_sheet
Value:
$113.86M
Peer Avg: $231.30M
#974 of 1077
Bottom 9.7% in 100M-500M tier
969
Loan-to-Share Ratio
balance_sheet
Value:
49.13%
Peer Avg: 72.70%
#969 of 1077
Bottom 10.1% in 100M-500M tier
962
Total Deposits
balance_sheet
Value:
$99.52M
Peer Avg: $200.29M
#962 of 1077
Bottom 10.8% in 100M-500M tier
910
AMR Growth Rate
growth
Value:
-1.15%
Peer Avg: 3.64%
#910 of 1077
Bottom 15.6% in 100M-500M tier