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SMW 104 FEDERAL CREDIT UNION

Dec, 31, 2023 — SMW 104 FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERMORE, CA with 1 branch location and about $105.09 million in total assets. Opened 62 years ago in 1962, SMW 104 FEDERAL CREDIT UNION has about 9,476 members and employs 7 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:9,476
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, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$105,086,701
CEO/Manager:Sherry Javad
Chairperson:Kevin Van Buskirk

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,104,560
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 10,231,395
 Unsecured Loans 9,454,893
 Other Loans 27,366,073
 TOTAL LOANS 50,948,216
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -204,399
 Land And Building 43,876
 Other Fixed Assets 412,067
 NCUSIF Deposit 952,793
 All Other Assets 0
  TOTAL ASSETS 105,086,701
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,165,535
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 32,785,679
 Regular shares 27,001,797
 All Other Shares & Deposits 34,733,801
  TOTAL SHARES & DEPOSITS 94,521,277
  TOTAL LIABILITIES 95,686,812
 Regular Reserve 0
 Other Reserves -970,843
 Undivided Earnings 10,370,732
  TOTAL EQUITY 9,399,889
  TOTAL LIABILITIES, SHARES, & EQUITY 105,086,701
INCOME & EXPENSE  
 Loan Income 2,521,564
 Investment Income 1,907,255
 Other Income 149,970
 Total Employee Compensation & Benefits 1,581,857
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,561,081
 Non-operating Income & (Expense) -11,373
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 60,851
 Cost of Funds 387,455
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,450,254
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