Sep, 30, 2025 — SMW 104 FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERMORE, CA with 1 branch location and about $113.86 million in total assets. Opened 64 years ago in 1962, SMW 104 FEDERAL CREDIT UNION has about 10,019 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SMW 104 FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3156 Constitution Dr LIVERMORE, CA 94551-7570 |
| Phone: | (510) 483-1300 |
| Fax: | (925) 230-5115 |
| Website: | https://www.smw104fcu.org |
| Branches: | 1 branch locations |
| Members: | 10,019 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14934 |
|---|---|
| Membership Type: | Associational - Other than religious or fraternal, or 'low-income' |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $113,855,947 |
| CEO/Manager: | Sherry Javad |
| Chairperson: | Kevin Van Buskirk |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 16,291,651 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 18,900,573 |
| Unsecured Loans | 9,215,539 |
| Other Loans | 15,778,596 |
| TOTAL LOANS | 48,893,090 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -258,199 |
| Land And Building | 2,123,973 |
| Other Fixed Assets | 53,509 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 947,402 |
| All Other Assets | 0 |
| TOTAL ASSETS | 113,855,947 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,393,827 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 29,701,930 |
| Regular shares | 26,689,054 |
| All Other Shares & Deposits | 43,127,821 |
| TOTAL SHARES & DEPOSITS | 99,518,805 |
| TOTAL LIABILITIES | 100,912,632 |
| Regular Reserve | 0 |
| Other Reserves | -544,885 |
| Undivided Earnings | 13,488,200 |
| TOTAL EQUITY | 12,943,315 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 113,855,947 |
| INCOME & EXPENSE | |
| Loan Income | 2,186,094 |
| Investment Income | 1,681,691 |
| Other Income | 117,430 |
| Total Employee Compensation & Benefits | 1,209,950 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,370,007 |
| Non-operating Income & (Expense) | -54,381 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 111,105 |
| Cost of Funds | 858,480 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,467,107 |
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