C
SMW Financial Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings SMW Financial Credit Union
Lino Lakes, MN
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Rating C
Asset Quality Index 10.00
Capitalization Index 7.90
Liquidity Index 3.80
Profitability Index 3.50
Stability Index 5.00
Company Info SMW Financial Credit Union
Lino Lakes, MN
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NCUA Charter Number 4048
Phone Number (651) 747-1500
Website www.smwfcu.com
Asset Quality SMW Financial Credit Union
Lino Lakes, MN
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1-Year Asset Growth -2.07%
5-Year Asset Growth 3.00%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.01%
Non-Performing Loans to Loans 0.00%
Balance Sheet SMW Financial Credit Union
Lino Lakes, MN
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Total Assets 89.31M
Total Deposits 80.07M
Capital and Reserves SMW Financial Credit Union
Lino Lakes, MN
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Capital 9.02M
Leverage Ratio 10.69
Loan Loss Reserves to Loans 0.57%
Liquidity SMW Financial Credit Union
Lino Lakes, MN
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Hot Money Ratio 13.44%
Liquidity Ratio 21.23%
Profitability SMW Financial Credit Union
Lino Lakes, MN
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5-Year Return on Average Assets 0.30%
Net Income 90.00K
Net Interest Spread 3.76%
Operating Profit to Average Assets 0.40%
Overhead Efficiency Ratio 89.66%
Return on Assets 0.40%
Return on Equity 4.05%